Are you struggling with credit card debt? You're not alone. The average consumer has over $10,000 in unsecured debt and most people don't know how they will ever pay it off.
Unfortunately, in an effort to seek credit card payment relief, many people are filing bankruptcy to escape their debts. If you've thought of contacting an attorney, you need to know that debt settlement systems can help you achieve the same results without filing bankruptcy!
What are Debt Settlement Systems?
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Debt settlement systems are programs designed by attorneys to negotiate with your current creditors and eliminate your debt. While these systems have the benefit of using an attorney's knowledge, they are far cheaper than bankruptcy and don't cause the long term damage to your credit report that bankruptcy will.
Enrolling in one of these programs will allow you to dramatically reduce both your overall debt and your monthly payments without filing bankruptcy. These debt settlement systems use a combination of negotiation, consolidation and occasionally, debt counseling. Using all of these strategies, most of these programs can erase your debt in 12 to 36 months.
I Don't Have Time to Wait, I Need Credit Card Payment Relief Now!
Many people are under the incorrect assumption that only bankruptcy can allow you to stop making payments quickly. In reality, many of the debt settlement systems available can allow you to stop making your payments as soon as you enroll.
In addition, these systems allow you much more control over the settlement process. There are no attorneys or judges in control of your finances and your credit report will never show the blemish of a bankruptcy.
How Much Do Debt Settlement Systems Cost?
One of the major benefits of using these systems is cost. While a bankruptcy attorney can cost over $4,000, these systems range in price from a few hundred to a couple of thousand of dollars depending on your level of debt.
If you're looking for an even cheaper option, there are now several debt settlement systems available that cost less than $100. These systems require you to fill out all of the forms and paperwork, but if you're disciplined enough, they can save you hundreds of dollars.
Whether you choose a debt settlement company or a do-it-yourself debt settlement system, you'll save a significant amount of money over hiring an attorney and you'll get the same credit card payment relief without filing bankruptcy!
How Do I Get Started?
Getting started with one of these debt settlement systems will take about sixty minutes of your time and can quite literally change your life.
The first step is to calculate the total amount you owe on your credit cards, retail cards, gas cards and any other unsecured debt. You will need to submit this information along with the addresses of your current creditors and your personal information to the settlement company your considering working with.
After your information is reviewed a consultant typically contacts you within an hour or two to discuss your options and answer any questions you have. If you chose the right company to work with, this introductory call will last about 30 minutes and will answer all of your questions. If credit card payment relief without filing bankruptcy sounds like the right option for you, contact a debt settlement company today and get started. You will change your entire life!
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