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Debt Settlement Services Explained:

Every year millions of consumers and small businesses face serious financial situations and many times bankruptcy looks to be their only alternative. Fortunately, many people are finding out that they can qualify for a debt reduction which can help them avoid a potential bankruptcy without the need for a high interest and risky loan.

What is Debt Settlement

Debt Settlement is a debt relief solution for consumers or businesses who are experiencing a financial hardship. A financial hardship is an unexpected event in your life that has created a loss of income so severe that you are unable to pay your bills. Most consumers who are not able to pay their bills for an extended period of time believe filing for bankruptcy is their only option. If an individual files bankruptcy they ruin their credit worthiness and the creditor may lose all the money due to them. This is a LOSE LOSE result.

Instead of filing for bankruptcy a debt settlement process is used by a debt relief provider to reduce and pay off your debts. The Settlement service evaluates your financial condition and hardship to see if you are a qualified debt settlement candidate, this evaluation and consultation is free through this website. The debt negotiation service will then negotiate with your creditors to reduce your debts. The negotiation is based on the fact that you would like to pay your debts in full, however due to your legitimate financial hardship which they can prove, you are not able to. In these cases the creditor would like to recover at least a portion of the debt rather than have you file for bankruptcy and potentially get nothing. In this solution the creditor recovers at least a portion of the debt without having to resort to bankruptcy court, collections or attorneys, and you can become debt free for a fraction of what you currently owe without filing for bankruptcy. This is a win win solution.

Key factors about Debt Settlement

• Debt Settlement only works with UNSECURED DEBTS. Credit Cards, Medical Debts, unsecured loans.
• Debt Settlement is NOT a Loan.
• Debt Settlement is NOT a bankruptcy
• Debt Settlement requires that you have a financial hardship.
• Debt Settlement is NOT for consumers who can pay their monthly minimum payments.
• Debt Settlement WILL have a limited negative impact on your credit score if you have good credit.
• Debt Settlement is sometimes called Debt Negotiation.
  

The No Upfront and NO monthly fee Debt Settlement Service

Many debt settlement services charge an up-front fee to start with their service. This fee can be as much as 20% of your debt amount and is paid within the first 3 months of using their service. This means if you have $20,000 in credit card debt you would have to pay $4,000 in fees to the debt settlement service and you have no gaurantee that your debts will be reduced. In addition most of these companies will charge a monthly "administration fee" of about $50 to handle your account. Since it can take up to 24 months to settle a $20,000 debt you could end up paying $5,200 in advance and your debts are not even settled. What if they don't settle your debts?

Our Service works exclusively with the few companies that do not charge an upfront fee, and the do not charge a monthly fee. They only ask for payment for their service IF and WHEN your debts have been reduced. This success fee is a percentage of the total amount your debts are reduced by and ranges from company to company from 15%-20%. For example: If your $20,000 debt is reduced by $10,000 at most you would be charged a $2,000 fee (10,000 * 20%) your total savings would be approximately $8,000! If the settlement company can reduce your debts even more, they get a larger success fee. The larger your savings the better the reward for the settlement service. This is the proper incentive to perform for you! If your debts are not reduced then you will pay NOTHING for their service.

That is REAL DEBT RELIEF!

Find out if your financial situation can qualify for a debt reduction. If you have unsecured debts, like credit card debt, medical bills, signature loans, dept. store cards and so on; send in the qualification request below and you will receive a quote to reduce your debts from 2 competing no upfront fee no monthly fee debt settlement companies at no cost or obligation to you.