Hello, I'm Scott... My research can help you find honest & reputable debt relief companies. I've met with the companies I suggest to ensure they provide REAL solutions.
In choosing a reliable debt relief company, you first need to understand what debt relief options are available to you. Your chioices largely depend on the type of debt that you have and the amount you owe. I suggest that if you are unsure, go to my simple debt relief options grid or watch my debt relief information video to get a better understanding.
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Click to Read More >In theory most lawyers can help you however, you will best off going to one who actually specializes in legal debt settlement services. Providing this type of service requires unique challenges and specialization which debt settlement companies are set up especially for.
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Click to Read More >That depends…Your options for debt reduction varies depending on your situation. If you have significant equity in your home, you may be able to refinance and pay off your credit card debts avoiding the debt reduction negotiation process altogether. However, that is not really true debt reduction since you are just transfering the debt balance from one source to another (your home mortgage). Regardless, it is the preferred method due to the fact that your credit score will remain basically unharmed and you will be trading high interest rate debt with low interest rate debt, thereby lowering your overall monthly payments.
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Click to Read More >The best way to reduce debts like credit cards if you cannot find a way to pay it off by effective budgeting and sound financial discipline is to use a debt settlement company who has established relationships with all the major creditors (credit card companies, department store charge card companies, etc). They work with people who find themselves over their head and need a reduction in debt to get back on their feet. The process involves a negotiation between the debt settlement company (on your behalf) and your creditors.
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Thank you SOOO much, I am already in contact with the company who is monitoring the whole process for me. One more time - thanks."
--George
Hi Scott, Thank you so much for your help and yes I signed up with the company you suggested. They were very helpful and explained everything wonderfully and answered all my questions. So far so good thanks again."
--Gina
Yes, I got your report and have contacted the company. The representative I am speaking with is very nice and has been great at answering all my questions. Thank you so much for your referral!
--Mauri
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