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How to Escape Credit Card Debt

If you’re struggling with major credit card debt, it is important to talk to a professional who can help design a plan for getting back on your feet. Often, a professional debt settlement counselor can negotiate directly with your bank to convince them to take less than what you owe. Working with a credit expert can help you prioritize your finances and help you get back on your feet faster than trying to go it alone.

Negotiate with Your Bank

Banks are in the business of lending money and extending credit. Banks are not in the collections business. Often, a bank will settle for less than what you owe just to close the account and get the unpaid balance off of their books. However, if you’ve ever tried to negotiate with a bank yourself, you’ll find that it’s typically easier said than done. Banks usually try every trick in the book to scare you into believing that they won’t negotiate. But more often than not, they are willing to settle for less than the full balance. An experienced debt settlement professional may be able to help you negotiate with your bank to achieve a favorable settlement.

Can't I do this myself?

Sure! Of course, you can also replace your transmission and clean your chimney too if you have enough time! However, if you wan a job done right, and done quickly, you probably want to bring in a professional to assist you. Dealing with credit card debt is no different than any other large scale project. It requires planning, careful execution and determination. Fill out our form now to connect with a professional that may be able to start you on the road to financial stability today.

New Government Regulations Help Consumers*

Recently the FTC enacted new regulations to protect consumers in credit card debt*. Under the new guidelines, debt settlement firms CAN NOT charge a fee to a consumer until they have successfully negotiated a settlement with a credit card company. What does this mean to you? It means that a debt settlement firm will work as hard as possible to get your debt settled. If you don't save, they don't get paid!

What is the fee for credit card debt settlement?

Under new regulations, there often NO FEE when a debt settlement counselor works on your case until the debt has been settled. That means that there is no risk to starting the program. If you find that you’re unable to settle your debt, there is no fee. Fees are are typically determined off of a percentage of the negotiated debt. Speak with a professional to discuss the fee structure and how you may be able to save big money by negotiating down your debts.

Can I work with an Attorney?

Yes, there are attorneys in our network. Keep in mind that attorneys may charge a retainer to take on your case, but they typically offer more services, such as bankruptcy filing or foreclosure defense if it's determined that you're better off going that route.

How Do I Get Started?

Simply fill out the form above and we'll match you with a professional counselor that will review debt settlement programs available in your area. Fill out the form now to get connected, or call 888-441-3376 to speak with a live counselor.

* 16 C.F.R. Part 310: Telemarketing Sales Rule: Amendments Addressing the Telemarketing of Debt Relief Services: Final Rule and Statement of Basis and Purpose. http://www.ftc.gov/opa/2010/07/tsr.shtm

 
*Actual results will vary based on individual situations and your ability to save sufficient funds. Settlement calculations and results demonstrated within are examples of past performance and are not intended to be a guarantee of any future settlement results. The program doesn't assume or pay your debts, repair your credit score, or provide tax, legal, or credit repair advice. Success in our program is highly dependent on your ability to save a specified amount consistently each month. Our services aren't available in all states. Please make sure you review and understand all program materials before you enroll. Programs are intended for individuals facing a financial hardship. DebtHelpOut.com provides consumers with free matching services. It is intended only to provide options and information. DebtHelpOut.com is not responsible for services or information provided by third parties. Please review all program materials prior to enrolling. By submitting this contact request, you are consenting to be contacted by telephone or email, even if you have previously listed yourself on any state or federal Do-Not-Call List.