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Debt Settlement Offers
  • Reduce monthly payments into half.
  • Decide your single Monthly payment.
  • Eliminate debt in 12-48 months.
  • Reduce your debt up to 50% .
  • Eliminate stress of overwhelming debt
  • Avoid Bankruptcy.
  • Eliminate collection calls.
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We Help With
  • Credit Card Debt
  • Unpaid Medical Bills
  • Business Credit Card
  • Unsecured line of Credit
  • Credit Union Debt
  • Utility Bills Debt
 
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CUSTOMER FEEDBACK

Real helpful and professional staff. Helped me avoid bankruptcy and become debt free. Patricia M, CA

These guys helped me avoid bankruptcy and get out of debt in less than 10 months. Unbelievable. Now i can really start a new life. Being debt free is what I'm looking forward to. Thanks again. Curtis M, CA

Your company has demonstrated that you are one of the best debt settlement companies by saving me more than $15,000. I really appreciate all the services your company provided during this critical period of my life. Tarsha J, FL

You have no idea how happy I am today. Thank god I called you guys and signed up for the debt settlement program. It has really changed my life. Now I am absolutely debt free, no collection calls, no credit card debt, complete debtfree living. Now I make sure I follow your advice about how to manage a debt free life and plan to die debt free. Willie D, CO

Last summer i lost my job. 2 -3 months i lived on my credit cards, but when i was not able to pay my credit card bills on time, i started having problems. More than finding a job, i wanted to get rid of debt. The only thing i could dream of was how to become debt free. A friend of mine told me about your company. I am really greatful to him for guiding me that day. Immediately i called up your debt settlement company. Today i am on my way to be debt free. Philip C, FL

When I could not meet the payments and the phone calls from creditors started to bother me every day, a friend of our family told me about your debt settlement program. After a year and a half, I paid off the loans and I could not have done it without your help. Willie D, MA

Thank you for doing such a wonderful job settling my credit card debts. So, once and for all, I will finally be able to get on with my life debt free. And I can breathe easier knowing that my debt is paid off. Thank you so very much. Johnny F, CA

I was searching the internet for a bankruptcy lawyer in my area. I don't know why all of a sudden i thought of some alternate, i did some research and came to this website. I called the toll free number spoke to Mary, a sweet, helpful girl. She briefed me about the complete program, asked me to sign some documents and gave me a plan which was affordable to me. They even helped me manage the rude calls from the collection department and briefed me about some laws that the collection agencies have to follow. I signed up for the program about 6 months ago. It will take me another 32 months to be debt free, but I am extremely happy that I found this website about 6 months ago. Arthur K, CO

Debt Relief - the Hard Facts

The service known as debt settlement may not be what one thinks it is. Below are the basics of debt settlement that are good to be aware of before enrolling.

Debt settlement is a program for those with financial hardship. One should be struggling financially before enrolling in this service. This program is a happy medium between the extremes of (high) normal creditor payments and bankruptcy.

Unlike other debt help programs, monthly payments do not go directly to creditors. Payments only go towards two places, fees and escrow funds. The escrow funds are used to settle the accounts, typically in a lump sum, with the creditors. As it often takes months or even years for enough funds to accrue in escrow, some creditors do not see any money at all for a long time.

This service does not completely stop creditor calls. Creditors continue to call in attempts to collect funds. Call from collection agencies can often be dramatically reduced but those from creditors typically cannot. If a person is preparing to enter a settlement program they should also prepare to deal with creditor calls. Creditor calls to ones place of work can typically be prevented.

The initial quote given is only an estimate based on typical cases. There are too many factors that affect the outcome of a settlement program to give a precise quote or guarantee. Therefore the initial quote and payoff time may be better or worse than estimated. In the former case, extra funds would be returned to the client in the latter, the number of payments would usually increase. The vast majority of settlement clients save a great deal of money vs. paying their creditors in full plus fees. The settlement option is for those who are struggling so even a moderate savings is much better than none at all.

This program cannot prevent a creditor lawsuit. No service can! Legal reality in America is that anyone can sue anyone else and nothing can stop that. Debt settlement companies can and do, however, attempt to settle the debt out of court. Many companies assist by suggesting lawyers in the clients' area who can help them further for lower rates. As a general rule it is best to keep the program term as short as possible to avoid lawsuits and accrue funds in escrow rapidly.

For those who qualify and have good understanding of the program good outcomes often result. As always "be prepared" is the best motto to follow.

For more similar articles please visit: http://www.debtsfreelife.com/Debt-Settlement-articles.htm



Debt Settlement VS Debt Consolidation Loan

 

Latest News

  
Just so far this year, the government gave away $800 billion in free government money - much of which was sent to individuals for their personal use. With debt relief grants, tax paying citizens can obtain $17,000 or more, regardless of income or credit. More News

Debt consolidation is a financial field that has been around for a very
long time and some of the largest banks in the world offer debt assistance programs, but lately there has been an increase in the number of organizations that focus only on debt consolidation and that has people asking questions. More News

Getting out of debt will take a plan. It will take waking up one morning and deciding you can no longer live with the stress of your financial obligations. At that point, you should research credit counseling, debt settlement, bankruptcy and making your own plan for paying off your debt. More News

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Copyright ©Debtsfreelife.com 2007-2008 Unsecured Debt Settlement
Debts Free Life does not assume or pay any debt, nor does it give legal advice, offer credit repair or help stop creditor & collector calls. Individual Results Vary and are dependent on successful completion of program and ability to save funds. Debt Settlement estimates of 40-60% are examples of past performance and are not intended to be a guarantee of future settlement results. Results may vary based on individual circumstances.