Available unsecured debt relief options :
Choices to eliminate your debt and start to rebuild your credit can be confusing.
That's where we come in !
Contact us , click to have us call you, or use the online debt settlement form to see what options would most likely best for you.
The most common choice for getting out of debt are :
- Paying your debts
- Home Refinance (for home owners)
- Credit Counseling
- Bankruptcy
- Or… Debt Settlement
What is the debt solution for me ?
First choice is to pay back your debts.
But if you are looking for settlement help you most likely can't afford that option. Now if you have under $10,000 in debts you might want to contact your creditors directly to see if you can work out a long term pay-back schedule.
Second choice is a home refinance, if your a home owner.
But we normally don't recommend that you attach unsecured debt to your home. Then you are just taking "short-term-debt" and turning it into "long-term-debt". Its best to save home refinancing, second home loans, or home equity lines of credit for home improvements, investing, retirement, or some other future investment that will basically help pay you back.
If you are struggling with your mortgage payment and trying to avoid foreclosure, you may be able to qualify for our home saver loan modification. We can help you saver your home with a manageable monthly payment or if your are unable to qualify we can help with a short-sale.
Third choice is credit counseling.
But we normally only recommend credit counseling for people with under $10,000 in debt. Since credit counseling only negotiates your interest rates, redistributing your monthly payments to the creditors on your behalf, it can take between 4 and 6 years to get through these programs. The most obvious problems with credit counseling are that it takes 4 to 6 years to get out of debt, it can be viewed on your credit report like a bankruptcy or charge-off, and that they say they are no-profit but they in fact they are paid for and sponsored by the creditors themselves.
Fourth choice is bankruptcy.
Bankruptcy should be used only as your last resort because it will destroy your credit fro 7 to 10 years, and stays on public record forever. A bankruptcy can be viewed through a common background check done through new employment or other types of background checks. This can be seen as a lack of responsibility or could be the difference that someone else gets the job instead of you.
Your fifth choice is debt settlement.
You do have to qualify for our debt settlement program, and your debts do need to be acceptable (see our acceptable debts).
Our program would negotiate your entire account, not only the interest rate. We negotiate the debt down and help restore your credit standing with your creditors. We can have you debt free in under 36 months.
Contact us to see how we can help you, or just fill out the short form to the left and we will contact you to get things started !
