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Debt Settlement Questions and Correct Answers (part 2)
Debt Settlement Questions and Correct Answers (part 2)
Debt settlement is seemingly the preferred method of settling ones debt however, you should first know the debt settlement questions and correct answers. Debt settlement programs definitely work. Debts settle and money is saved. Debt calculator.
Question 6: Does the debt settlement company settle my debts, negotiate my interest rates as well, deal with the fees and penalties?
Yes, when you work with a credible debt settlement attorney program they will negotiate your debts, fees and or penalties and the compounding interest. It's their job to get you the lowest settlement possible. If you type into Google, settle my debt, debt settlement calculator, erase my debt and a variety of other debt settlement blogs, you’ll notice one commonality; they are all rated as the best settle my debt companies nationwide.
Question 7: Is Debt Negotiation Only Good For Credit Card Debt?
No! If that were the case, debt settlement would certainly not be as attractive to consumers who want to be in a program where all debts settle. This includes credit cards, medical bills, legal invoices, retail/department store accounts, collections and personal loans. There are some debts that can't be settled which include IRS tax liens, federal student loans, child support, alimony, mortgages, auto loans and any type of secured debt. http://debtssettle.com
Question 8: What Is The Difference Between Debt Settlement & Debt Consolidation?
Debt settlement is reducing the amount of debt owed by negotiating a lower total amount with your creditors. On the other hand, debt consolidation transfers your full debt amount to another loan. This does not reduce what you owe, but reduces your interest rates and minimum payments.
This can be more costly and leave you and your finances wide open to some serious issues. Additionally, debt consolidation often claim to be "non-profit", but they are often funded by and working for your creditors, while charging you fees for their services. You may want to consider debt settlement alternatives. http://debtsettlementalternatives.com
Question 9: What can debt settlement programs do for me?
Attorney based debt settlement programs can be very powerful when it comes to dealing with your creditors on your behalf. In fact, statistics show that a debt settlement consumer can settle all of their credit card debt, medical debts, etc. and only having to pay 40-50% of what they owe. A debt settlement law firm will directly provide these services to you.
Instead of worrying about “bankruptcy or debt settlement, you can set up a debt settlement program that is based on you setting money aside and letting the debt relief attorneys negotiate the best settlement for you and your situation. You continue to put funds in your settlement account and the law firm will send settlement offers to your creditors. As long as you continue to make your monthly payments into your debt account, you should have all of your debts settled over a period of twelve to forty eight months. http://bankruptcyordebtsettlement.com
Question 10: How long does it take for my debts to be settled and done with?
The amount of time it takes to pay off each credit card account varies. Many factors are at play in determining how long it will take. The outstanding balance, number of accounts that are being settled and the amount you can pay towards your accounts monthly are some of the factors. A debt settlement affiliate will design your program specifically for you and it's based on how our debt negotiation specialists can help you best upon reviewing your financial situation.
Question 11: If I enroll with your debt settlement company, how will it affect my credit?
Your credit score will drop considerably, as you’ve stopped making payments to your creditors. Unpaid debts or debts that are settled for less than the full amount you owe can also cause a mark on your credit report. A settled account will improve your debt to income ratio and should reflect positively on your credit record over time. After you complete the best settle my debt program, you should consult with a third party credit restoration group to get rid of any inaccuracies on your credit report.
Question 12: How much does debt settlement cost?
Enrolling in a debt settlement program is certainly beneficial for most people however, there is a fee paid to the debt settlement attorneys who are doing the work to settle your debt with your creditors. Debt settlement groups will set up payment plans that are custom tailored to each consumer and the payments you make each month depend on your circumstance and debt accrued.
The service fees for debt reduction services vary on the amount you owe and how long you're in the debt settlement program. Before you enter the relief program, you’re given an estimate of what your fees will be over the course of the program period. For the most part, the fees the law firms charge are generally fair in comparison to how much you will save off your current balances overall.
Debt settlement alternatives may come into play like bankruptcy or just not making a decision because you feel like a deer staring into the head lights. If you put your financial options into perspective, you could opt to pay any and all recurring interest charges currently applicable to your credit card accounts and other debts every month for the distant future, not to mention any applicable late fees and penalties you may face. This is why enrolling in a debt settlement program is preferred to bankruptcy.
Yes, when you work with a credible debt settlement attorney program they will negotiate your debts, fees and or penalties and the compounding interest. It's their job to get you the lowest settlement possible. If you type into Google, settle my debt, debt settlement calculator, erase my debt and a variety of other debt settlement blogs, you’ll notice one commonality;
Question 7: Is Debt Negotiation Only Good For Credit Card Debt?
No! If that were the case, debt settlement would certainly not be as attractive to consumers who want to be in a program where all debts settle. This includes credit cards, medical bills, legal invoices, retail/department store accounts, collections and personal loans. There are some debts that can't be settled which include IRS tax liens, federal student loans, child support, alimony, mortgages, auto loans and any type of secured debt. http://debtssettle.com
Question 8: What Is The Difference Between Debt Settlement & Debt Consolidation?
Debt settlement is reducing the amount of debt owed by negotiating a lower total amount with your creditors. On the other hand, debt consolidation transfers your full debt amount to another loan. This does not reduce what you owe, but reduces your interest rates and minimum payments.
This can be more costly and leave you and your finances wide open to some serious issues. Additionally, debt consolidation often claim to be "non-profit"
Question 9: What can debt settlement programs do for me?
Attorney based debt settlement programs can be very powerful when it comes to dealing with your creditors on your behalf. In fact, statistics show that a debt settlement consumer can settle all of their credit card debt, medical debts, etc. and only having to pay 40-50% of what they owe. A debt settlement law firm will directly provide these services to you.
Instead of worrying about “bankruptcy or debt settlement, you can set up a debt settlement program that is based on you setting money aside and letting the debt relief attorneys negotiate the best settlement for you and your situation. You continue to put funds in your settlement account and the law firm will send settlement offers to your creditors. As long as you continue to make your monthly payments into your debt account, you should have all of your debts settled over a period of twelve to forty eight months. http://bankruptcyordebtsettlement.com
Question 10: How long does it take for my debts to be settled and done with?
The amount of time it takes to pay off each credit card account varies. Many factors are at play in determining how long it will take. The outstanding balance, number of accounts that are being settled and the amount you can pay towards your accounts monthly are some of the factors. A debt settlement affiliate will design your program specifically for you and it's based on how our debt negotiation specialists can help you best upon reviewing your financial situation.
Question 11: If I enroll with your debt settlement company, how will it affect my credit?
Your credit score will drop considerably, as you’ve stopped making payments to your creditors. Unpaid debts or debts that are settled for less than the full amount you owe can also cause a mark on your credit report. A settled account will improve your debt to income ratio and should reflect positively on your credit record over time. After you complete the best settle my debt program, you should consult with a third party credit restoration group to get rid of any inaccuracies on your credit report.
Question 12: How much does debt settlement cost?
Enrolling in a debt settlement program is certainly beneficial for most people however, there is a fee paid to the debt settlement attorneys who are doing the work to settle your debt with your creditors. Debt settlement groups will set up payment plans that are custom tailored to each consumer and the payments you make each month depend on your circumstance and debt accrued.
The service fees for debt reduction services vary on the amount you owe and how long you're in the debt settlement program. Before you enter the relief program, you’re given an estimate of what your fees will be over the course of the program period. For the most part, the fees the law firms charge are generally fair in comparison to how much you will save off your current balances overall.
Debt settlement alternatives may come into play like bankruptcy or just not making a decision because you feel like a deer staring into the head lights. If you put your financial options into perspective, you could opt to pay any and all recurring interest charges currently applicable to your credit card accounts and other debts every month for the distant future, not to mention any applicable late fees and penalties you may face. This is why enrolling in a debt settlement program is preferred to bankruptcy.
Saturday, October 8, 2011
Friday, October 7, 2011
Thursday, October 6, 2011
Wednesday, October 5, 2011
Monday, October 3, 2011
FREE Settle My Debt Settlement | PRLog
FREE Settle My Debt Settlement | PRLog
The minimum payment drops as your balance is paid, but thanks to compounding interest, you will end up paying for a long, long time if you pay only the minimum.For example if you have a credit card with a $6000.00 balance, and make a three percent payment each month, this a $150.00 payment. $50.00 of this covers the interest, and it will take you 210 months or seventeen years to get out of debt. Over time the amount of your interest will be over $2000.00.The minimum payment on credit card debt is calculated as a percentage of your total current balance, or as all interest plus 1 percent of the principal. Card issuers also set a floor to their minimum payments -- a fixed dollar amount that the minimum payment won't fall below.
Suze Orman stated on Oprah; ""The sad reality is that the credit card industry is taking actions to protect themselves with no regard to your needs or how good you have been about paying your bills on time. The problem is that most credit card companies are either reducing your credit limits, raising your interest rates and are even paying you to close down your account. Many of you are even finding that when you do finally pay off your credit card debt that the issuing credit card company of that card is closing that card down as fast as they can so you cannot ever charge on it again. You did everything right, and yet still you could have your credit limit reduced, which can have a negative impact on your credit score."
Learn more about how to deal with your debt by speaking with debt arbitration companies.
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The FREE Settle My Debt Program that works in conjunction with Bankruptcy or Debt Settlement takes on your credit card companies by negotiating your debt with a settlement that is agreed upon by you first, and then the credit companies.
When you bought all that stuff at every one of your favorite stores, you weren't thinking about having to pay back all the debt at some point. This is where the Free Settlement My Debt Program has proven to lower your credit card bills and medical debts. Keep in mind that you can't get rid of your back taxes. You can use a tax debt lawyer for your IRS problems, but when you speak to an expert debt settlement account manager it's important to view the debt settlement calculator so you can erase your debt now.
In a recent news post from SeekingAlpha.com: If you're looking for the U.S. consumer to pull us out of our economic doldrums, don't bother. According to a recent study, the ratio of household debt to personal income still remains at a staggering 154%, only 7.5 percentage points lower than its pre-recession peak. What's to blame for the slow pace of deleveraging?Persistently high unemployment, stagnant wages, high commodity prices and overall stock market volatility not seen since 2008.
Let's take a closer look at how to erase your debt. You first lost your job once Wall St. decided to lie to the American public regarding inflated earnings and credit backed mortgage defaults from consumers who told the mortgage banks that they made more money than they actually did. At the time, the mortgage companies were offering no income verification loans as long as they had a certain credit score. With the implode of the markets, the construction industry as the first to feel the pain. Nationwide, building houses, commercial property, etc. came to an absolute stop.
When the illegitimate new homeowners had to continue paying their mortgage, credit card debt, medical debts; they ran out of money and now have to figure out if bankruptcy or debt settlement is right for them. Homeowners are now opting for the Free Organization that will settle your debts. Sometimes you're able to get your life back on track if you've recently gotten a job and or you change your lifestyle so you can start paying off your credit cards, not just continue to pay the minimums. Only paying your minimum requested amount by your credit card company has many negatives that you should be aware of including never really being able to pay off the entire balance in your lifetime. The minimum payment on your credit card is determined by taking a percentage of your balance of your balance and charging you that percentage each month. This amount is a very small percentage of your balance, usually about three percent, and it would take you years to pay off your credit card if you followed this outline.
When you bought all that stuff at every one of your favorite stores, you weren't thinking about having to pay back all the debt at some point. This is where the Free Settlement My Debt Program has proven to lower your credit card bills and medical debts. Keep in mind that you can't get rid of your back taxes. You can use a tax debt lawyer for your IRS problems, but when you speak to an expert debt settlement account manager it's important to view the debt settlement calculator so you can erase your debt now.
In a recent news post from SeekingAlpha.com:
Let's take a closer look at how to erase your debt. You first lost your job once Wall St. decided to lie to the American public regarding inflated earnings and credit backed mortgage defaults from consumers who told the mortgage banks that they made more money than they actually did. At the time, the mortgage companies were offering no income verification loans as long as they had a certain credit score. With the implode of the markets, the construction industry as the first to feel the pain. Nationwide, building houses, commercial property, etc. came to an absolute stop.
When the illegitimate new homeowners had to continue paying their mortgage, credit card debt, medical debts; they ran out of money and now have to figure out if bankruptcy or debt settlement is right for them. Homeowners are now opting for the Free Organization that will settle your debts. Sometimes you're able to get your life back on track if you've recently gotten a job and or you change your lifestyle so you can start paying off your credit cards, not just continue to pay the minimums. Only paying your minimum requested amount by your credit card company has many negatives that you should be aware of including never really being able to pay off the entire balance in your lifetime. The minimum payment on your credit card is determined by taking a percentage of your balance of your balance and charging you that percentage each month. This amount is a very small percentage of your balance, usually about three percent, and it would take you years to pay off your credit card if you followed this outline.
Suze Orman stated on Oprah; ""The sad reality is that the credit card industry is taking actions to protect themselves with no regard to your needs or how good you have been about paying your bills on time. The problem is that most credit card companies are either reducing your credit limits, raising your interest rates and are even paying you to close down your account. Many of you are even finding that when you do finally pay off your credit card debt that the issuing credit card company of that card is closing that card down as fast as they can so you cannot ever charge on it again. You did everything right, and yet still you could have your credit limit reduced, which can have a negative impact on your credit score."
Learn more about how to deal with your debt by speaking with debt arbitration companies.
# # #
FREE Settle My Debt™ provides its client's with the ability to satisfy their credit card debts, medical debts and any other form of unsecured debt in full while paying less than the full amounts owed. A Debt Settlement Account Manager is waiting for your call. (877) 726 - 8299