Best Rated Credit Card Relief Programs

Credit Card Relief Program #2 – Debt Settlement

Debt settlement allows you to avoid bankruptcy and pay your debt back at an affordable rate (up to 40% of your debt can be forgiven). You can become debt free in three to four years. Why doesn't everyone do debt settlement? As you are about to find out there are drawbacks that come along with debt settlement. The key is to weigh your options and evaluate the positives verse negatives. Here you go!

Benefits Debt negotiation, also known as debt settlement , can help you to resolve your bills within 3-years or less (the average).

Pay less than the total balance owed to satisfy a debt.

One small monthly payment will take place for the consumer.

Attorney FDCPA defense & protection included in each client’s plan. If creditors violate a client’s legal rights, FDCPA and legal protection are available.

With debt settlement services, a client who finishes the program ends up paying less than their total debt owed.

After 13-years in business, Golden Financial Services has established proven methods and aligned with the best debt settlement representatives in the nation, to ensure clients get nothing less than fantastic service. Downside Will hurt credit scores

Your creditors don’t have to settle.

May result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest.

Consumers are supposed to pay taxes on a forgiven debt. There are tax forms that can assist consumers on this subject that a licensed tax preparer can help on, to evade having to pay taxes on the money saved if a person is insolvent. (IRS #982 Form)

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Debt Calculator Calculate Again Enter your total debt punctuation marks are not required Debt amount must be greater than $7,500! Interest percentage* Enter value of 0 to 99.99% Type a monthly payment you can afford to become debt free punctuation marks are not required is your minimum monthly payment for total debt! * Put the average interest rate that you are paying or that you were paying on your accounts. This will be used to calculate how much you would end up paying when staying current on your accounts. The interest rate that you put in here will not affect the figures that are calculated for the consumer credit counseling and debt settlement programs. Calculate Debt # Debt Validation Debt Settlement Consumer Credit Counseling On your Own Total Unsecured Debt Time to Pay Off 12 month 24 month 36 month Interest rate None None 8% Monthly Payment Total Pay Back This debt calculator is powered by Golden Financial Services & developed by No More Credit Cards.

Credit Card Relief Program #3 – Consumer Credit Counseling (Debt Management)

The point of consumer credit counseling services is to reduce interest rates on credit cards. Only credit card debt qualifies. You will remain current on your monthly payments with this type of program so your credit score won't be negatively affected. Instead of paying on your credit card payments for the next 8-10 years, you could be debt-free in around 4.5 years with consumer credit counseling.