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subject: Credit Card Debt Reduction - How New Laws Help Consumers Pay Off Their Debt [print this page]

Credit Card Debt Reduction - How New Laws Help Consumers Pay Off Their Debt

Credit Card Debt Law has some good news for consumers. It is made to target the misleading and unethical business practices of the Credit Card firms. The new legislation will help consumers get out of debt and put an end to the debt trap he has been in for so long.

Recently the market has undergone major crisis due to the recession. Many businesses have closed due to heavy losses while many consumers have filed for bankruptcy as they are unable to pay off their debts. The worst amongst all debts is credit card loans as it has a very high rate of interest and the interest rate have been going up recently.

The new laws have made debt settlement a feasible option for most debtors. A person having at least ten thousand dollars in unsecured debt can use this option of debt relief. A recent survey has revealed that an average American has a debt of at least nine thousand dollars. Hence most of the consumers can qualify for debt settlement.

This is a legal method in which the debtor and creditor agree to reduce the total payment amount in exchange of certain amount of down payment. The procedure is so simple that the consumer can negotiate without any outside help. However, people prefer to take the assistance of a good settlement company in order to negotiate if the debt amount is large. This is because the credit card companies do not want to let go off huge amount of money which is rightfully theirs.

There are many debt settlement companies in the market who claim to attain the impossible. The consumer has to be careful while selecting a settlement company as there are many fraud companies in the market as well.

Their are several debt relief options available in this market so it would be wise to speak with a debt relief specialist to determine which option makes the most financial sense for you. Whether it is credit counseling, debt settlement, debt consolidation, or bankruptcy, a debt relief specialist will be able to steer you in the right direction.

Check out the following link for a free debt consultation from a specialist in your area:

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