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Video Transcript

Free Debt Consolidation Quote

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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Credit Card Debt Settlement

climb out of debtDebt settlement is becoming the option of debt riddled Americans to help them achieve financial freedom. It used to be one of the less reputable options to get rid of debt because it involves a seemingly deliberate manipulation of the creditor. What happens is you will stop paying the debt so the creditor will be forced to accept when you finally try to negotiate a lower payment.

In this debt relief option, instead of paying your creditor, you will set aside the money to save up for a bigger payment. This is usually a lower amount of your balance. As your creditor gets desperate to get payments from you, this savings will get bigger. Once you have reached a certain percentage, you will try to negotiate with a creditor and appeal to them so they will agree to a debt settlement. Oftentimes, a debt relief expert will help you with this. You can use the amount you have been saving up to pay a huge portion of the debt – while the rest will be forgiven and wiped off.

How to Increase your Chances to Get a Debt Settlement

Even with a debt relief company, the chances that all your creditors will agree to a credit card debt settlement is not guaranteed. The key is knowing what percentage of the debt you will negotiate to pay for. You need to analyze the situation carefully to determine the best chance of getting the credit card companies to settle with you.

Part of this process is understanding the nature of your creditors. There are instances that the aggressive ones would always settle for amount to be paid back that is relatively higher than other creditors. But this behavior usually change as time passes by and is even dependent on the state you are in.

Your payment history is also a big consideration in getting a favorable result in debt settlement. Creditors have an industry accepted system of getting your past and current payment history to categorically verify your payment performance with other creditors. They are able to see how you are, it at all, making timely payments. Bottom line is, if you have been making current payments, you will not stand a chance in settling your debts. You need to be late in order for them to consider your proposal. Usually, settlements are made for debts that are 90 to 180 days late – with the consideration that you are also late in your other creditors.

Another good scenario to settle is when you are faced with a lawsuit. Some credit card companies send summons to those unable to pay them. Upon reaching this point you have an estimated 30-day window to try to settle with your creditors. Usually, you can get a better debt settlement agreement as the credit card company will be trying to avoid a court session unless you are unresponsive. While this is not really advisable, if you are in this situation, you know that you should take advantage of it.get debt relief help

NationalDebtRelief.com is a debt relief company that can help you achieve financial freedom. Give us a call and we can discuss how we can get the best settlement for your debts.

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Free Debt Consolidation Quote

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.
 Trusted By Our Clients

"One of the credit card companies that was collecting on one of m"

Moderate National Debt Relief Caller: Charlotte Transcribed WE 3/28/2021 Charlotte: Our call is recorded. How did you first hear about our National Debt Relief? CESAR: Internet. I believe in either Credit Karma or one of the other sites. Charlotte: What made you decide to work with National Debt Relief as opposed to other providers? CESAR: I heard some good things about them. Actually, one of the credit card companies that was collecting on one of my accounts said they themselves had used National Debt Relief and they were very, very happy. Charlotte: Tell me about the service they gave you. CESAR: The service has been great. It's been pretty transparent. You make your payments. We get you through it. We’ll deal with all the harassing calls and things of that nature and [unclear 0:01:21]. Charlotte: What did you think about the program? CESAR: The program’s been great. [unclear 0:01:30] being able to consolidate like that was one of the biggest things, putting some money back in my pocket at the same time I'm paying off my debts. Charlotte: What was the enrollment experience like for you? CESAR: Simple. Very, very, very easy. They walk you right through it. You basically give them a list of your debts. And I think they just checked my social security number and ran a credit check and added the accounts that we can add. And the ones that we can’t, they still give you some advice on how to settle those. But I thought it was pretty simple. Charlotte: In what ways has the program worked for you? CESAR: Well, like I touched on before, being able to pay my debts while still having some money to breathe, feeling like I'm not in a sinking hole the whole way through it. Charlotte: About where are you in the process? CESAR: I think I'm still very early on. If I'm not mistaken, I'm about a year in. And I believe they've gotten three. At the end of this month, I believe it'll be three accounts that we've closed. And one of them was one of the biggest ones that I had open. So, I'd say I'm well on my way to being debt-free. Charlotte: Can you walk me through the interactions with your negotiator so far? CESAR: The interaction has been far and between. I haven't really had much to do, much to say. They email me when another offer comes through on the account and [unclear 0:03:32] collections. They give me the chance to either accept or decline and go on from there. Charlotte: Do you happen to remember the name of your negotiator by chance? CESAR: I do not, no. Charlotte: How comfortable have you felt so far working with National Debt Relief through this process? CESAR: Very comfortable, very comfortable. And like I said, there haven't been really any hidden fees or things that would kinda strike you as, well, I didn't know this was gonna happen at the beginning. I did have one of the collectors actually file a lawsuit, but I'm not gonna blame National Debt Relief for that. It is what it is. Charlotte: How did National Debt Relief work with you as far as coming up with a payment plan? CESAR: Well, I believe they looked over my financials, my monthly income, my debt, as well as my living expenses. And they determined this is a good amount that we can move forward with and this is the time it'll take to pay off. Charlotte: If you had to rate this experience on a scale of 1 to 5, 5 is you would recommend to friends and 1 is you're pretty dissatisfied, how would you rate them so far? CESAR: I will rate them at a 5. I wish I would have known about this program a long time before. And actually, I had heard of a different program, but I just kept having that nagging, that doubt, that doubt that it would work. If I could go back, I'd be debt-free at this point in time in my life. Charlotte: Would it be okay if I posted your comments as a review on our public website for National Debt Relief? Would that be okay? CESAR: Does it stay anonymous? Charlotte: We only ever use first names. CESAR: Okay. Yeah. If that's the case, I wouldn't mind it at all. Yeah. Like I said, one of the biggest takeaways that I've had back in 2017, 2016, 2017-- I was already flooded with debt. It just kept growing, and I couldn't find a way out of it. I was literally taking money from my credit cards just to pay other credit cards. And it was just a revolving door. Had I gone with my gut and just said, “Screw it. I’m gonna apply for this program,” 2021, I’d have been debt-free by now and I'd be in a completely different [situation 0:07:00] than what I am today. Charlotte: I am going to send you a link of your review just to have it as a record at ctorres.8600@gmail.com, just to have it for your own record. We’re recorded.

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Cesar Torres
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