Debt Options

Debt Options

If you find that you have debts that have rapidly spiraled out of your control, you may be in the process of seeking quality debt settlement solutions.  Discountdebtrelief.com has the skills and expertise to help you deal with a variety of unsecured debts.  Our solutions can help you get on the right track with your debts and we serve as your continued advocate throughout our debt settlement program.  Here is more information on what we can do for you.

Your Debt Options Our Debt Settlement Process

You have the option of negotiating debts with your creditors on your own, but you will need to remember that the processes can be aggravating, tiresome, and cumbersome.  You will not only have to determine what your budget is and what you can afford to pay every month, you will have to take on the process of calling and contacting each and every one of your creditors in writing.  You will have to work with hardnosed creditors, some that are not willing to negotiate your debt at all, and the entire process can prove frustrating, timely, and next to impossible to complete.

You can, instead, call upon the services offered by Discountdebtrelief.com.  Once you contact Discountdebtrelief.com we will talk with you one-on-one to find out about your specific debt control needs.  We will evaluate your current finances, your income to debt ratio, and the pending debts that you have.  We will then determine what type of reasonable payments you can afford to make on your various debts.

Our organization will help you establish a bank account in your name which will be fully controlled by you.  You will put a certain amount of money into the account and over time these monies will be used to pay off negotiated debt.  One to two weeks after you first sign an agreement with us, we begin to call your creditors and to talk with them about potentially settling your debt.  It can take up to six to nine months before your first debt settlements are reached, but within 18 to 19 months you will begin to see an incredible turn around in your financial situation as, slowly but surely, your debts get paid off at a fraction of the cost.

We take the hard job of negotiating debt out of your hands and we work with creditors and third party collectors as we try to get you into a reasonable debt settlement agreement.  You remain in control of your finances and we negotiate your debts to the smallest amount possible during the process.  We remain in constant contact with you and your creditors and serve as a mediator between you both.  We have experience in getting creditors to open up and negotiate, and we can help you diminish what you owe with far less hassle.

Our goal is to help you avoid other debt solutions that have serious ramifications.  While you certainly have the option of filing for bankruptcy, doing so can destroy your credit and the chances of getting credit in the future.  We work hard so that you can keep your assets and so that you can repair your financial situation.  While we cannot guarantee that your credit will not be affected during the debt negotiation process, we can assure you that entering into a debt settlement agreement is far more advantageous than filing for Chapter 7 or Chapter 13 bankruptcy.  We can also help you avoid having to take out more loans to pay off your unsecured debts; while consolidation loans are a fast fix for debt, you are still essentially in debt because you will owe on the loan that you are approved for.  We can also help you keep your 401K plan intact; instead of borrowing against it to pay your debts, you can settle on the debts you owe and pay a fraction of the amount you owe now.  Basically, our debt settlement program is innovative and it is a fast, fair solution for you and your creditors.

The Types of Debts We Deal With

If you have at least $10,000.00 in unsecured debt Discountdebtrelief.com can help you get into a reasonable debt settlement program. We have representatives that can talk to you more about our program and how it works.  You must have a $1000.00 balance for every creditor that you owe, at minimum, and we deal with a wide range of unsecured debt including credit card debt, medical bills, hospital bills, department store credit card debt, unsecured personal loans, gas and oil credit card bills, and bills you owe to local merchants.  There are several types of debts we do not deal with in our debt settlement program.  Such debts include things like overdue or past due rental obligations, student loans, home mortgages, past due bills on utilities, secured loans, income tax debt, automobile payments, and automobile repossessions.