Consumer debt solution programs are very much available for you to utilize. If you are currently deep in debt, you should enroll in a debt management program to reduce your debt. These programs are designed to help consumers deal with their debt problems by teaching how to conserve your spending habits; how to budget efficiently; and how to prevent debt from forming.
Moreover, these consumer debt solution programs will give you the financial freedom that you deserve without the hassle of worrying about outstanding bills or loans. Here are some ways debt management programs benefit consumers.
Debt management programs will not affect your credit score. There are some debt-eliminating options that lower a consumer’s credit rating, such as bankruptcy. Debt management is not one of them.
Consumers who use a debt management program will find their credit score roughly the same. However, upon enrollment into a debt management program your credit report will state that you are being financially counseled. This doesn’t set well with future lenders.
Under a debt management program, you will learn the source of what is causing your debt troubles. Many consumers have the potential of reducing or eliminating debt before debt management is considered. Unfortunately, consumers miss these opportunities by repeating bad spending habits. They fail to call their creditors about their financial situation. They use credit cards instead of cash. And lastly, they make minimum payments.
In debt management programs, credit counselors will sit and talk with you. They will find out why it’s difficult for you to eliminate your debt. As they evaluate your lifestyle and spending, they will draw out an appropriate plan that will guide you to better finances in the future
Debt management professionals talk to your creditors to lower your debts. A debt management program is an effective way for you to speak with your creditors about lowering your debt. Counselors will negotiate with your creditors on an agreeable amount of debt that you should pay. This will take some stress off of you.
Creditors will stop harassing you once enrolled in a debt management program. An added benefit to you is that a debt management program will alert your creditors about your financial situation. As long as you pay your bills on time and in full, the number of creditors calling your home will be reduced.
Consumer debt solution programs will save you from financial obligations. In the event that debt management doesn’t seem right for you, you should not hesitate to try other options.
Another program to consider is debt elimination. This program is intended for those with excessive amounts of credit card debt. This is the fastest method of debt elimination (next to bankruptcy). Many debtors wipe-out their credit card debt in about 2-4 years. Their monthly payment is also lowered by 10-60%.
Remember that bankruptcy may be your last resort, but it does not promise a brighter future for you.
Debt Free Solutions is a debt consulting company located in Long Beach, CA. We have been in business for 10 years. We assist Americans across the U.S. to eliminate excessive credit card and other unsecured debt.
We utilize various programs and strategies to aid them in dissolving their debt in the quickest, safest, and most efficient method possible. We also analyze the risk factor. We structure our programs to drastically minimize the risk that is inevitable with all debt elimination programs.
We offer our clients much more than a debt settlement company does. The vast majority of debt negotiation companies simply settle your debts on your behalf with your creditors- nothing more.
On the other hand, we provide free services to significantly help to minimize the risks that are involved in negotiating with your creditors.
First, we offer a free, no-risk 10 day trial service. During our free trial, we negotiate with your creditors on your behalf to lower your interest rates. Also, we research to see if you have any old debts that you are not legally liable to repay. If, for any reason, you are not completely satisfied, you simply walk away. No commitments. No contracts.
Next, we provide a comprehensive credit repair service to all our clients. This is a $795 service that is absolutely free!
Also, we offer free attorney consultation (a maximum of five sessions) in case one or more of your creditors makes any threats.
Last, we provide a written guarantee that our clients’ creditors will settle for an average of 50% or more for all of the debts they attempt to negotiate.
Our services are competitively priced- and include the above free services!
Joseph Hernandez
CEO
Debt Free Solutions
www.debtfreesolutions.mobi
(800) 668-8090
