Debt Relief Services
You will feel better when you begin a debt relief program. After all, you will have taken a positive step to settle your debts.
You will have engaged experienced attorneys, who are certified debt negotiators, to explain the reasons you have a hardship to your creditors and negotiate a fair debt settlement.
You will have taken a step to end the collection calls and begin to live a debt free lifestyle. You will be accumulating funds in a settlement account to pay off your debts for good.
To take the first step toward real debt relief, call 205-345-0459.
It is amazing to see how an inflexible creditor becomes more willing to negotiate when you have a skillful advocate making your case. “We typically settle qualifying debts for about .55 cents on the dollar, including all settlement costs,” says Certified Debt, LLC President Ryan Epper.
Debt Relief Services Compared: Why Settle My Debts?
Let’s take look at why debt settlement is better than the other debt relief options open to you.
- Credit Counseling: Many credit-counseling services provide debt relief by working out payment plans for consumers who are overextended. Many of these not-for-profit community agencies are part of local merchants’ associations. In some cases, credit-counseling companies receive a fee based upon how much of the debt that you repay. As a result, those friendly counselors have an incentive to be sure that you pay as much of your debt as you possibly can. For those who have a genuine hardship, credit counseling services may not be the best path to debt relief because they rarely discuss the possibility of settling your debts for less than the full amount owed.
- Debt Consolidation: You may be considering taking out a debt consolidation loan as a means of getting relief from your debts. The standard practice in a consolidation loan is to take unsecured debt and secure it with an asset. Debt consolidation can lower your interest rate if you have sufficiently good credit to get the loan, but the cost of getting the loan is added to all of your other debts. Consolidation does not reduce your debt. If you cannot repay the consolidated debt, the creditors will foreclose or take the asset that secures the loan. If you are genuinely in a hardship, having an attorney represent you and negotiate your debts can be a quicker path to the relief of debt free living.
- Bankruptcy: Before the bankruptcy code was changed in 2005, it was a lot easier to get relief from debts by filing bankruptcy. Today's tighter standards mean fewer people qualify to file a Chapter 7. A bankruptcy can be credit suicide for up to ten years. When you complete a settlement program, you will have paid that portion of your debt that you can and will be in an excellent position to rebuild your credit. Debt settlement also can be completed in as little as a year.
- Debt Management: A small part of the work done by Certified Debt, LLC is in the area of debt management. For those clients who are not eligible to negotiate a debt settlement, we can help with debt management to ensure that monies are set aside to pay each creditor. “The bulk of our work is debt settlement as a means of debt elimination, but we do offer debt management service to those who need it,” said Certified Debt President Ryan Epper.
- Debt Elimination: The beauty of pairing a skillfully negotiated debt settlement with an escrowing of the funds to settle debts in an orderly fashion is that it eliminates the settled debt forever. Neither debt consolidation, nor credit counseling, nor debt management—negotiate a reduction in the amount owed. “Every time our attorneys succeed in making the case for a hardship settlement, they move the clock forward on debt freedom day for our client,” says Mr. Epper.
“Being in a position where your debts overwhelm you can make you feel bad about yourself. It’s paralyzing because it feels like there isn’t a way to get relief from debt,” says Ryan Epper, President of Certified Debt, LLC.
In fact, for those who qualify, a negotiated debt settlement is an excellent why to relieve the stress of too many debts.
Debt Relief With a Nearly 90% Success Rate
“Enrolling in a debt settlement program is a positive first step and places our clients on a path to being back in control of their financial affairs,” said the debt relief services executive.
“The thing I am proudest of is the record of what we have achieved for our debt settlement clients. Nearly 90% of those who start our debt relief program finish the full term and emerge with all of their qualifying debts settled,” said Epper. “Not every debt settlement company can boast of such an enviable success rate at delivering debt relief.”
Taking the first step toward debt relief is simple. Call 205-345-0459 for a free debt analysis to see if you qualify for a negotiated debt settlement. |
