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Testimonials

Debt relief can fix youthful mistakes "I ran up about $25,000 in debt during my twenties, but when I contacted these experts, I was able to pay off my balance in only five years."
- Sarah K., ranch hand

Debt consolidation improves your quality of life "After college, my student loans and credit card bills crippled me. Thanks to the help I got here, I could finally afford to move out of my parents' basement."
- Willie W., retail manager

"My stress level dropped as soon as I began my debt consolidation program. Now, my family and I no longer have to pinch every penny."
- Florence L., bus driver

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Debt Settlement Companies Could Be Right for You

Debt settlement companies can retire your credit card debt at a 40-80% savings.
Debt settlement companies save consumers from drowning in credit card debt.
Learn the difference between debt settlement companies and debt consolidation companies.

Quite often, a debt consolidation company also offer debt settlements, most debt settlement companies concentrate solely on different forms of debt settlements. A debt consolidation company such as Bad-Credit-Cards-Repair-Reports-Bankruptcy-Counseling.com creates a program with your creditors that allows you to pay your credit card debt off over time. Debt settlement companies concentrate on one-time payments. A debt consolidation company will work to reduce your credit card interest rates and eliminate late fees and over the limit charges. On the other hand, a debt settlement company will ignore all that sometimes even letting you miss payments in order to save up enough money to make that one time payment. It is up to you to determine which is the right path for you. Debt settlement companies can simply begin to show you the possibilities.

Searching for the Best Option

If you're strapped with credit card debt it might be time to look at debt settlement companies for a way out. A debt settlement company can negotiate a one time lump sum payment between 40% and 80% of your balance with one of your creditors. Once you make that debt settlement payment your creditor will consider the debt paid in full. Unfortunately, the lump sum nature of this payment usually keeps it out of reach for the consumers who need this help the most. Another drawback to debt settlements is the potential negative impact that a debt settlement can have on a consumer's credit report. However, many people view the amount of money saved as overwhelmingly worth it.