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HomeBlog Credit Card DebtThe Best Get Out Of Debt Plan
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The Best Get Out Of Debt Plan

May 21, 2012 by Adam Tijerina

You may be tearing your hair out every time you sit down to pay bills. If you are like many Americans, you are deeply in debt and are beginning to feel hopeless about digging your way out of the financial mire on your own. Take heart, with dedication and commitment and a little bit of assistance, you too can get out of debt.

Debt Negotiation

For many people, the hardest part to get out of debt is admitting that they have a problem and they need help. Debt negotiation is the process of working out an agreement with your creditors to find a solution that you can reasonably repay. Very often, our clients tell us that they have reached a roadblock when they have talked directly to their creditors and tried to get help from on them on their own. Unfortunately, many creditors do not like to negotiate with account holders directly and may only offer temporary hardship programs, which do not really offer any tangible relief for your credit problems.

Our trained and experienced credit counselors work with creditors every day. We are able to get access to decision-makers who can make real agreements and change the landscape of your financial woes. On average, we are able to help our clients reduce their qualified debts by up to 50 percent, saving them a significant amount of money in the long run.

Negotiated debt settlements are usually a combination of solutions for our clients. By working on your behalf, we are often able to realize a reduction in the amount of interest you are charged on your account or able to negotiate for it to be eliminated. Additionally, we are often able to reach agreements with creditors that include elimination of accumulated fees and lump sum payments.

Debt Consolidation

Debt consolidation is another step you can take, and it requires commitment and dedication on your part. This is where your real work begins. With a lowered interest rate, you can set up an account for you to make regularly scheduled monthly payments for all of your credit accounts. This single payment combines all of your qualified accounts and usually helps make your monthly budget much easier to manage. You have to manage your finances by making monthly payments to your creditors on time. This is not the preferred get out of debt plan because it does not work on the principal balance, only the interest rate.

Impact on Your Credit Rate

If you are already struggling with making all of your monthly payments, your credit score has probably already taken a hit. The good thing about using our credit services is that you likely will soon begin to see an improvement in your credit scores. For many people, difficult financial problems translate into late or missed payments, which are quickly reflected on their credit report.

On average, our clients are able to complete their entire debt relief program within 24 to 48 months. In the process, they become debt free by the end and their credit has been repaired shortly thereafter. Contrast this with filing bankruptcy, which can damage your credit for up to a decade and can impact your ability to gain credit, raise your insurance rates and prevent you from getting a job.

Qualified Debts

Not all debts qualify for debt relief programs. Most unsecured personal and business debts qualify for debt settlement and consolidation. By law, debt settlement can only be applied to the following types of debts:

Payday Loans
Cash Advance Loans
Credit Cards
Medical Bills
Collection Accounts
Medical Bills
Business Debts
Reposessions

By law, secured loans do not qualify for debt settlement agreements. Examples of debts not allowed for these programs include:

IRS Debts
Back Taxes (State or Federal)
Student Loans
Government Loans of Any Type
Utility Bills
Home Loans
Mortgages
Lawsuits
Auto Loans

Choosing a Debt Relief Service Company

There are literally thousands of debt relief companies in business today. With the downturn in the economy, the service industry for individuals has expanded tremendously. Before choosing a credit counseling organization, find out about their industry affiliations and if they belong to any reputable debt relief associations. We belong to the American Fair Credit Council and the International Association of Debt Arbitrators.

Also, avoid companies that demand up-front fees for services. This is illegal according to Federal Trade Commission regulations. We charge no up-front fees and you owe us payment for our services only after we can demonstrate results from our efforts on your behalf.

If you are looking for debt solutions that work and are committed tobeing able to get out of debt, contact us or fill out the form for a free debt analysis and let us work on your behalf.

Do you qualify for debt consolidation?

Adam Tijerina
Adam Tijerina

Adam Tijerina is a personal finance expert for National Debt Relief, a BBB A+ accredited business offering debt settlement services since 2009. Adam knows a thing or two about debt resolution after successfully settling $43,250 in credit card debt on his own. He has also co-authored two books about overcoming adversity and has been featured on Credit.com and USNews.com. Adam holds a Bachelor’s Degree from Trinity University and lives in Texas with his wife and four children.

Follow Adam Tijerina: Linkedin

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By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
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"When I first decided to go with National Debt Relief and I..."

Moderate National Debt Relief Caller: Charlotte Transcribed WE 1/17/2021 Charlotte: Our call may be recorded. What actually made you decide to work with our National Debt Relief as opposed to other providers? GLYNN: Well, when I first decided to go with them and I talked with the representative, I got a favorable impression of him. And since we've gone with him, we've had very good experience with them. Charlotte: Can you tell me about the program that our National Debt Relief signed you up for? GLYNN: It's a debt consolidation program. Took our credit cards and then working to pay them off. So far, they paid one of my wife's off and one from me. Took the harassing phone calls that we were getting and got them to stop and got creditors to wait on their payments so we could get money to pay them. Charlotte: What did you think about the enrollment process you went through? GLYNN: Enrollment process? Well, it was, I guess... Charlotte: Like how easy or difficult did you find the enrollment process to be? GLYNN: It was no [unclear 0:02:52], just what we could do, and looking at our financial situation, what we was able to do. It's just that, mainly, I was the point where I was fixing to go bankrupt and I didn't want to do that. And this was a way to, I guess, not to go bankrupt. But it still left that option open. Charlotte: In what ways would you say that this program has worked for you? GLYNN: Well, I guess the biggest thing is it stopped the harassing phone calls that we have been getting sometimes five or six times from the same creditor a day. It gave us an opportunity of being able to, I guess, set up a fund that we can use to eventually pay off our credit cards and our debts. Charlotte: About how far would you say that you were in at this point? GLYNN: At the time we signed up? Charlotte: At this point right now. About how far are you in the program? GLYNN: Well, it's, [0:05:00] I guess, about -- I would say I think I was like nine months. And like I say, they were able to pay off one of my wife's credit cards and are working on another one and was able to pay off one of my credit cards, and hopefully be able to pay off another one. Charlotte: Walk me through the interaction with your National Debt Relief negotiator. Give me a little insight on what that experience was like with that representative. GLYNN: Well, he helped us go through and get signed up on a program. He helped us with the getting, I guess, a financial report to establish a savings account to be able to use to start paying our debts off. We didn't know what to do or how to go about doing it. Charlotte: Is there anything about your National Debt Relief negotiator that really stood out and impressed you at all? GLYNN: Yeah, his manner and I guess he was polite and he didn't put down on us. And he led us and showed us the direction we need to go. Charlotte: Is there anything about this process that you would have liked to have seen handled differently? GLYNN: No, not really. Charlotte: If you had to rate this experience on a scale of one to five, and five is that you would recommend to friends and one is you were pretty dissatisfied, how would you rate it? GLYNN: I would rate it at a 5. Charlotte: Would it be okay if I posted your comments as a review on our public website for National Debt Relief? They just like to know what their customers felt about... GLYNN: If you think they're good enough to post. [chuckles] Charlotte: I will send over a link so that you can have it as a record for yourself also at glynncoates@gmail.com. How would you say that your life has been impacted by working with National Debt Relief? GLYNN: Well, it's taken off a lot of the burden off that we were under. We was to the point of, "Just go ahead," and getting a lawyer to file bankruptcy. But this has given us an opportunity to pay some of our debtors back. We made the debts under good face and circumstances beyond our control, it got out of hand. And so, we were trying to -- we wanted to pay them back, [0:10:00] or as much as we can so that, I guess, more ease in our minds. Charlotte: If a friend or a family member were asking you about National Debt Relief, what would you tell them? GLYNN: I'd tell them if they was needing, that they were good to work with and they continued to try to help and work with us. Charlotte: Our call is recorded.

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