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Debt Settlement Help

Some signs that you may need debt settlement: -
  • Get calls from debt collectors, have no idea how much you owe.
  • Don't have any savings, making minimum payments on your credit cards.
  • Use credit cards for groceries, gas, or utilities bills.
  • Have more than 3 major credit cards and credit card debt to income is at or near 20% (percent) and has been denied credit.
  • Lie to your spouse or other family member about your spending or hide credit card statements from family members putting an added stress on you.
  • After you pay your credit card bill, you increase your balance by the same amount (or more) the following month.
  • You're at or near your credit limit on your credit cards.
  • Write a check hoping that you have enough time to make a deposit before it clears; take out cash advances on your credit card to pay other bills.
  • Afraid to look at your statements each month.
  • Have bounced checks, lose sleep thinking about your debt, lost your job, you would have no ability to make your bills.
Debt settlement, also known as debt negotiation , a process by which creditors agree to a lump sum pay off for a reduced amount in full settlement of a debt. In other words, negotiation with a creditors and once they agrees to sufficiently lower the amount that a consumer owes, and settle it with a lump sum payment.

In turn the creditor agrees to report to the credit bureaus that the consumer no longer owes them anything. As an example, who owes $10,000 will pay just $4,000-$5,000 to settle the debt. When you consider the fact that interest was not accounted for, the savings are even better.

Our debt settlement professionals have an unrivaled proven track record within the debt settlement industry. Each professional debt settlement team is developed to work specifically on your behalf and not the creditors, thus best settlement deals are achieved with your best interest in mind.

Debt settlement is a win-win relationship with everyone involved. Debtors win by saving thousands of dollars and tedious years of payment, the creditor wins by resolving the outstanding balance, and Christian Debt Consolidators wins by helping another valued client experience the feeling of DEBT FREE living!

Debt settlement service deal with debts other than credit cards i.e. unsecured debts, when you carry an unsecured debt, your creditor does not hold any collateral that they can take back if you fail to pay.

Examples of unsecured debt include:
  • Credit Cards
  • Department Store Cards
  • Legal Bills
  • Unsecured Personal Loans
  • Health Club Memberships
  • Magazine/Record Clubs Fees
  • Cellular Telephone Bills
  • Signature Loans
  • Collection Agencies
  • Credit Lines

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