Our Clients Have Access To The Most Effective Debt Negotiation Available
There are four ways to reduce debts, pay them, bankruptcy, "debt consolidation" services and "debt negotiation" services.
- It is always best to pay them if possible. This will build and maintain good credit.
- The last resort should be bankruptcy. This is very hard on your credit and you will have to make some effort to clean up and reestablish your credit.
- The "debt consolidation" services enroll their clients in the creditor's hardship programs. This works only on some unsecured debts and can result in reduced interest rates and monthly payments. It also affects your credit very similar to a chapter 13 bankruptcy and has a huge failure rate because people do not complete the programs. We generally do not recommend "debt consolidation"services.
- The "debt negotiation" services negotiate a cash payoff at a reduced rate. The impact on the credit reporting can also be negotiated. Done properly this service can be of great benefit both financially and to your credit rating.
Your debts could be paid off for a small fraction of the current balance. Our clients have access to collection industry "insiders". These negotiators have an inside line to the collection industry and experience to get you the lowest payoff possible while doing everything possible to increase your credit rating. The success rate of this program is amazing. This service is available for a low hourly fee or ten percent of the savings.
If you are interested please apply for a free consultation and we will see if you qualify for this program.
