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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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"..."

Moderate National Debt Relief Caller: Misty Transcribed WE 3/28/2021 Misty: The call, it may be recorded. Can you tell me do you recall how you heard about NDR? KYLE: I googled it, and then it went to Better Business Bureau or whatever it's called. And you guys have the highest rating. Misty: Which service did they actually provide for you? KYLE: So, basically, I enrolled all my credit cards into the program. And I stopped paying. And then, the lawyers reached out to the company's lawyers. And they've been settling, stuff like that. Misty: How would you describe your interaction that you had with your representative that you worked with on getting everything squared away? KYLE: Oh, it was excellent. Misty: Do you feel that the door of communication is still open if you have any questions or concerns? KYLE: Yes. Yes, I actually have been meaning to call you guys, too. [Laughs] I just haven't had time, but yeah. Misty: How did NDR work with you on your payment plan? Do you feel that they're flexible if you need to change the date? KYLE: Yeah. Yeah, if I ever had to. I don't need to, but I know that if I ever had to, I can just call them. Misty: What are your thoughts on the cost in relation to the quality of service you've received from them? KYLE: I'd say 10 out of 10. Misty: How has working with NDR impacted your life so far? KYLE: It's helped out a lot. I was really underwater with bills, and now I can breathe. And I managed it a whole lot better. Misty: Have you actually finished the program or are you still working through it? KYLE: Still working through it. I got one more card to settle. Misty: But we're making progress though, right? KYLE: Absolutely. Yeah, I think one of my cards was 17,000. They settled it for 6,000. That was pretty cool. Misty: Are there any other comments or even any suggestions on how they might improve their service for you? KYLE: Well, what I was gonna call them about was just as far as the payments that I make, and is there an actual date as to when it stops at 43 months, or if that was an estimated date? So, I guess I should have gotten more clarification in the beginning. But that's kind of what I had questions about. Misty: Well, that brings us to the star rating, which is 1 to 5. So, how would you rate your experience with NDR at this time, and 1 would be very dissatisfied, 5 is that you would recommend them to a friend at this time? KYLE: A 5. Misty: What would you say to that friend who asked you about it, just maybe one or two things you might tell them before they decide who they're going with? KYLE: That your credit is gonna take a hit, but it's gonna bounce back, and you'd be fine. Misty: Would it be okay if we shared your feedback on ConsumerAffairs.com for others to read it or in a similar point in their life where they're like, “I'm not sure who I need to go with,” but they can read reviews of people that have started the process with NDR? KYLE: Yeah. Is it gonna have my first and last name on the review? Misty: No, sir. Only first name, and we do not publish any contact information. KYLE: Okay. Yeah, that’s fine. Misty: I have kylecunningham1873@gmail.com. KYLE: Yes, ma'am.

Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

Kyle Cunningham
ConsumerAffairs Reviews

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