There are significant distinctions among the companies offering debt settlement which should be fully understood before consumers finalize any actions that could threaten such devastating conclusions when poorly begun. Many of the financial professionals working midst debt se... (READ MORE)

Settlement loan negotiation continues to gain ground as an increasingly popular form of debt relief, but careful borrowers – worried about the stability of the relatively new program – don't want to leave anything to chance. Along with a committed and arduous investigation of the background of relevant settlement loan firms, the borrowers should also check upon the settlement loan company's bu... (READ MORE)

What Every Consumer Should Know About Settlement Loans

However important it may be for borrowers to give the benefit of the doubt to the professionals that they have entrusted with the day to day practicalities of family debt relief, there are still so many differences to be found between the varying philosophies of settlement loans to keep each borrower interested in the fundamentals. Unfortunately, too many consumers who’ve spent the time succes... (READ MORE)

Debt Solutions

Summarized below are 5 credit solutions to credit card and other debt.

Debt Settlement: With this method, a company helps you to negotiate and reduce your outstanding debt/bills by 40-60%. You'll have to pay a fixed amount each month to your settlement company. The payments accumulate into lump sum cash after months. The lump sum cash is then paid off to your creditors.
Debt Consolidation: This is one of the solutions to credit card debt and other bills. Here creditors agree to cut down the interest rates and eliminate or reduce late payment charges. You need to make a single monthly payment to your consolidation company which then distributes the money to your creditors.
Debt Management: This involves a credit counseling session wherein a credit counselor analyzes your finances and debts. The counselor prepares a budget for you so that you can put in more cash towards debt payment. If you are knee deep in debt, the counselor may suggest a DMP wherein he negotiates with your creditors in order to lower the interest rates and cut down late fees.
Bankruptcy: Filing bankruptcy is no doubt one of the debt solutions. But it should be considered as your last resort because it harms your credit and brings down your score by 200 points or more. Hence it is better to avoid bankruptcy and look for other debt solutions.
Ostrich Method: This method of dealing with debt involves taking no steps to pay off debt. It is based on the concept that you ignore debt and it will vanish. However, it is not advisable to ignore debts because your credit will be ruined if you do not repay what you owe. Moreover, your creditors may sue you or the collection agencies may harass you constantly.

Got Debt? Need Debt Relief?

The decision to reach out for help with your debt is not one that's easy to make. You were raised to "do the right thing", but now it’s nearly unbearable. You struggle along while your creditors are turning up the heat. And now you’re at the point where the late fees, penalties and interest expense make it impossible to keep your head above water.

Ask yourself this. If you could eliminate your debt without permanently damaging your credit, why wouldn't you?

Avoid Bankruptcy

Debt Relief

Bankruptcy is not your only option! Our goal is to help you determine the right course of action for you to take. We will connect you with a debt settlement company today that will help you avoid filing for bankruptcy protection.

Are your finances spiraling out of control? Get the information you need today to stop harassing creditor’s phone calls. Total Debt Relief provides a matching service to connect you with pre-screened Debt Settlement Professionals.

These debt management pros will educate you on all of the options available to you to get out of debt. Total Debt Relief helps you make the most informed decision possible so that you can get your financial life back on track.

COMPLETE THIS FORM TO RECEIVE A FREE DEBT SOLUTIONEVALUATION!

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