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Credit Card Debt Relief

April 21, 2012 by National Debt Relief

Are you being strangled by credit card debt? Do you hate it when the phone rings – as it might be a debt collector threatening to garnishee your wages or contact your employer? Are you wishing and praying for some way to get credit card debt relief?

We understand your debt problems

If you’re trying to deal with a mountain of credit card debt, it can ruin your entire life. You may not be able to use any of your credit cards or when you do try to use one, you stand there in fear it will be rejected. And how embarrassing is that?

You’re not alone

For whatever it’s worth, you’re not the only person in America searching for credit card debt relief. In June of last year, the average combined debt for bank-issued credit cards — such as those with a MasterCard or Visa logo — was $4,951. 33% of those with credit cards carry balances up to $10,000. In fact, the average American household’s credit card debt in 1990 was $2,966. In 2007 it was $9,840.

You aren’t a bad person

You can be head over heels in debt without being a bad person. Many of us get into serious debt through no real fault of our own. You may have been hit with crushing medical bills or suffered an uninsured loss. You didn’t have enough in savings to pay off those bills so you had to rely on your credit cards. And now, here you are being strangled by credit card debt.

What you can do for Credit Card Debt Relief

On way you can discharge that credit card debt is by filing for bankruptcy. However, this can have almost as bad an effect on your life as the debt itself. In fact, a bankruptcy can have a negative effect on your credit for as many as 10 years and even reduce your job opportunities, along with other consequences.

You can’t borrow your way out of debt

One alternative to filing for bankruptcy is to get what’s called a debt consolidation loan. The idea here this is that you can save money by borrowing enough from one source such as a bank to pay off all your credit card debt. But before you jump for one of these consolidation loans, be sure to consider how long it may take you to pay it off and the effect it will have on your budget. If you want to swap, say, $25,000 in credit card debt for a $25,000 home equity loan, you may have to pay as much as 23% and have closing costs of  up to $5,000 on a $25,000 loan! Plus, your home will be at risk if you default and it could take you years to pay off the loan.

The real downside

The real downside to a debt consolidation loan is what happens if you still have problems with your spending. If you can’t budget carefully and stick to that budget, you may find yourself back using credit cards and before you know it, you’re back in credit card debt, which could be disastrous.

A better solution

Many people looking for credit card debt relief have found it through a strategy called debt settlement. This is where a company negotiates with your credit card companies or other credit providers to actually lower the amount of money you owe. This will have an adverse effect on your credit but only temporarily. You won’t be borrowing to get out of debt, your home won’t be at risk and you will end up with much more affordable monthly payments – to take a lot of the stress and fear out of your life.

There are a number companies that provide debt settlement services such as NationalRelief.com. It has an excellent reputation and is usually ranked in the top three of debt settlement companies online.

If you have a huge amount of credit card debt that’s just about eating you alive, be sure to go fill out the form and get a free debt analysis. It could be the smartest thing you do this year.

Do you qualify for debt consolidation?

National Debt Relief
National Debt Relief

National Debt Relief is one of the largest and best-rated debt settlement companies in the country. In addition to providing excellent, 5-star services to our clients, we also focus on educating consumers across America on how to best manage their money. Our posts cover topics around personal finance, saving tips, and much more. We’ve served thousands of clients, settled over $1 billion in consumer debt, and our services have been featured on sites like NerdWallet, Mashable, HuffPost, and Glamour.

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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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Easy National Debt Relief Caller: April Transcribed WE 1/17/2021 April: Our call may get recorded. What financial concerns had led you to seek out National Debt Relief's services? RILEY: I guess just not being able to pay my debt. April: What had you choose National Debt Relief over other companies that provide the same service? RILEY: Really just researching online. Everything that I had read about them seemed pretty positive. April: What service or program did National Debt Relief help you to get through? Like a payment or consolidation program, anything like that? RILEY: I just do bi-monthly payment to them, and then they reach out to my debt account, I guess, that negotiated everything for me. So, it’s pretty easy. April: Can you walk me through the process of what you went through to enroll for the services? RILEY: God, it's been like two years, so I kinda don't really remember. I just had to fill out some stuff online and then talk to them on the phone. I had to give them all my account information and everything. And then they worked out a payment plan for me. And they communicate with me like once a month with my statement. And whenever they have communication with my accounts, they have called me and had me verify before they've done anything and whatnot. April: That sounds like a really good service there. RILEY: Yeah. April: At this point, are you still in the program or have you completed it at this point? RILEY: I'm almost done. It was, I think, a two-year plan. So, yeah, I think I just have one other account that I'm paying on. April: How about any interactions with the negotiators? You said they will call you at any time that there was maybe an account activity that they want to confirm with you first. RILEY: Uh-huh [yes]. April: So, how is the interaction with them when they reach out to you and you're able to discuss with them? How is that interaction? RILEY: It's been super easy and positive for me and relieves a lot of stress and anxiety. So, yeah, it’s been very easy. April: And then how has National Debt Relief been able to work with you in terms of your payment plan? RILEY: I basically just told them what I could afford, and they figured it out. And they have offered COVID relief if I need to stop payment for the time being or whatever. Fortunately, I haven't had to do that. So, I don't really know how that would have worked, but that was an option. But they're always like, “Call us if you can't make payment, and we'll figure something out for you.” April: What are your thoughts about the cost in relation to the quality of the service you received? RILEY: I'm really happy with the program. [unclear 0:04:22] as far as I know. I don't have any complaints. April: Has working with National Debt Relief impacted your life? RILEY: Yeah. April: How would you say that it's impacted your life at this point? RILEY: It just has relieved a ton of pressure and stress, financial stress, anxiety. I'm not living paycheck to paycheck now to pay my interest, so that’s been nice. April: Have you had other experiences to National Debt Relief that perhaps you want to share with us in regards to your experience with them? RILEY: No. I think that’s it. April: On a scale of 1 to 5, where would you rate National Debt Relief, if 5 stars is that you recommend to your friends and 1 star is you're very dissatisfied? RILEY: I would say 5. April: In a few words, how would you summarize overall the National Debt Relief in your experience with them? RILEY: Just easy and stress-free. April: Would it be okay for us to also utilize your commentary as a review that we can publish for National Debt Relief? And that would go to public webpage here, but that's to help other consumers make good choices if they're also in the same market. RILEY: I guess. Would it have my first and last name? I don’t— April: Only the first name. And if that's an issue, we do the first letter. RILEY: [unclear 0:06:03] you want my full name. April: Not at all. So, we only do the first name as an option. We can also do the first letter. So, it's really up to you on which option you prefer. But just the first name. We don't do last name. We don't post anything personal like your phone number. RILEY: Yeah. I think you can use my first name. April: I do offer a link that we can also send you with a direct link to your review. So, once it's published, you also get to see directly. Is that something you would like to have sent to your email? RILEY: No.

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Riley Barker
ConsumerAffairs Reviews

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