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Debt
consolidation can mean many things to different people, so
let's first enlighten you on how the term "debt consolidation" is
used by different debt relief services.
Debt
consolidation loan:
Lenders consider this consolidation, because the goal is to take out a low
interest loan and pay off all of your debts. Now you only have one payment,
and that is towards the loan. A loose interpretation of debt consolidation
indeed. Taking out a loan to solve a debt
problem is a very risky proposition and is explained here.
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100%
Money Back Guarantee
If you decide to leave our program
for any reason within 2 weeks after you sign up we will
refund 100% of your money back to you!
No hassles,
totally unconditional guarantee
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| Credit counseling, Debt
management and Bill
consolidation. These programs are all referred to as "Debt consolidation".
In
each
of
these
programs
a
third party works on your behalf to take over paying your bills for you. You
send in
one
monthly
payment
to them
and they in-turn pay your creditors. These types of services work as a pseudo
bill collector for your creditors as they are compensated by your creditors to
collect
from you. Due to this relationship they are many times able to stop creditor
phone calls, lower your interest rates and make other arrangements with your
creditors. This makes for a lower monthly payment and less stress due to creditor
phone calls. The downside is that these types of programs take 6-8 years to complete,
you pay steep monthly fees for their service and you are still paying a great
deal of interest to your creditors. Worse, is that if you miss a payment you
can be dropped from the program and you are back at square one. These program
can help you catch your breath, however they provide little relief, impact your
credit greatly and stretch your debt problem out over many years. Why suffer
for so long when there is a far superior alternative? |
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We
will match your first savings payment by up to $2,000 dollars!
We want you to be able to get started fast
so we are offering for a limited time to apply up to $2,000
to YOUR debt relief if you sign up before January 30th, 2005.
Call your credit consultant now
for details. Toll free:
1-800-770-0434
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The Alternative to Debt Consolidation programs:
Our
debt relief program is a completely legal option available to you
and has been in practice for years, it is called debt negotiation.
The concept is simple: In our program, we assess your financial condition
and your hardship, then we use your hardship as
the basis to negotiate with your creditors to reduce your debts.
When we demonstrate to
your creditors that you would like to honor your debts, but your
financial hardship has made that option impossible they are most
often willing to negotiate to reduce your debt. Creditors understand
that if you are unable to get some relief from them your other
alternative may be to file bankruptcy, in which case the creditor
risks not recovering any of the money due to them. In this legitimate
hardship situation creditors are very willing to settle your debt
for a greatly reduced amount. This is a win win situation, you
become debt free for about half of what you currently owe and the
creditor gets a portion of the money due to them, all without a
bankruptcy or a loan.
Examine the chart below that demonstrates
how our solution gets you out of debt faster, for less money
and without a bankruptcy or a loan.
The payout listed above includes all of our fees and
the amounts you would pay to your creditors
* Our total payout also includes a
10% pad to account for inflation, our competition rarely includes
this.
This is only one example of a savings plan
to pay off your debt. We can tailor programs and your monthly savings
amount according to your budget. Logically, the more you can save
each month the sooner you will be debt free. In any case you will
be budgeting less for our program per month than what you would
pay in minimum payments to your creditors. Since your monthly savings
amount should be less than your current payments, this means you
could use that extra money to pay other bills on time. As you know
paying bills on time can mean no more late fees, over the limit fees
and it means you are building a better credit history.
If you are suffering from a financial hardship,
are late on payments, and don't foresee being able to pay you bills
in the near future and are considering bankruptcy you owe it to
yourself to call us first. We will provide to you a complete analysis
, answer all of your questions and give you a written report on
our assessment including estimates on how much we can reduce your
debts by and how soon you can be debt free. All for free and with
no obligation. You can take this report and read it at your leisure,
if the program is right for you you can sign up immediately. If
it is not, you have at least received a free analysis and made
an attempt to avoid bankruptcy. You can contact us using the form
below, or chat with us online, or call our toll free number.
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 Talk
to a certified
debt relief consultant
1-800-770-0434
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Talk live now with a certified
debt relief consultant.
No Special Software Necessary
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