Debt Settlement Services Can Eliminate Your Credit Card Debt In 12-36 Months!

Debt Settlement Services Can Eliminate Your Credit Card Debt In 12-36 Months!

Unemployment is rampant, housing values are dropping, and people are getting desperate. In these uncertain financial times, an increasing number of consumers are focusing on getting out of debt. Lowering credit card debt is now a top priority for many families because of the high interest rates that are imposed when this type of credit is used. Interest rates can be 20 percent or higher on credit cards, and those paying back only the minimum monthly requirement usually never see the light of day. If you want to reduce or eliminate your credit card bills, then debt settlement services can provide a simple way to achieve this goal.

What is Debt Settlement?

Debt settlement is a program that helps you reduce or eliminate credit card debt (and other types of debt) through the process of lower payments and negotiations with the creditor. Debt settlement services can help you create a short-term or long-term plan to get out of debt, while simultaneously helping you save hundreds or thousands of dollars on your current credit card bills.

If you've fallen behind on credit card payments and feel buried under a mountain of interest, the debt settlement service can help you get the overall amount due reduced and even possibly lower the interest rates! These two steps combined can save you thousands of dollars while enabling you to make lower payments based on your current financial ability.

Does Debt Settlement Consolidate Your Bills?

A debt settlement company can consolidate your bills into one monthly payment, and then disperse the payments on your behalf. This can be done if you owe more than one creditor and wish to negotiate better terms and/or lower amounts due with each creditor. You can enroll in a debt settlement program instead of trying to negotiate with each creditor on your own. In doing so, you'll avoid those nasty collector harassment phone calls, enjoy a reduction in overall debt and begin to rebuild your credit and your life. The advantage is debt settlement companies work with creditors all the time and know how to negotiate for better terms and payment reductions.

A Great Bankruptcy Alternative

Debt settlement is a great bankruptcy alternative for you and your creditors. You will benefit because you won't have a bankruptcy showing on your credit for seven to ten years! Your creditors benefit because they will actually receive settlement payments from you instead of receiving a letter stating that you've filed bankruptcy. Many creditors realize that once a person files bankruptcy, they will never receive the amount due. But in a debt settlement program, your creditors will be glad you are making an effort to settle your debts instead of avoiding them.

Consider a debt settlement program instead of applying for another loan or worse - another credit card! It's difficult to get out of debt when you keep adding more debt. A debt settlement service can offer counseling and debt help while pointing you in the right direction, toward financial freedom!

To learn more about subjects like debt settlement please visit the web site at: http://www.efs-debtfree.com

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