While we happen to think that debt settlement can be an excellent way to manage big debt problems, we would also be the first to admit that it’s not for everyone. We actually turn away people who apply for debt settlement through National Debt Relief because we believe it would be better for them to develop a debt management plan, get a debt consolidation loan or file for bankruptcy.
We never charge any fees upfront
We never charge one of our clients anything until we deliver a settlement that he or she accepts. This gives people the opportunity to opt out should they ultimately decide that it would be better for them to pay off their debts on their own. And to be honest, we don’t want to expend a lot of time and energy only to find that we can’t help a client.
Who would be a good client for debt settlement?
Debt settlement is not a one size fits all deal. It works best with a specific type of customer. These are generally people who have at least $10,000 in debt to multiple lenders and especially credit card companies. In most cases, these people cannot even make the required minimum monthly payments on their debts and may even be thinking about filing for bankruptcy.
Customers we might turn away
If you are having just a mild problem with debt and only need time to pay off what you owe, we would steer you towards other types of debt solutions such as the debt management programs and the debt consolidation loan mentioned above. Or we might suggest that you work out agreements with your creditors and then repay your debts yourself.
What is debt settlement?
If you’re not familiar with debt settlement it is where we negotiate with your creditors to settle your debts for less than what you actually owe. In fact, we usually save our customers thousands of dollars and provide them with a payment plan that can have them debt-free in 24 to 48 months. Our payment plans are affordable, too.
Why debt settlement can be a better alternative
If you owe $7,500, $10,000 or more, debt settlement could be a good option. The more debt you have, the more you need our help. The reason for this is that if you’re this much in debt you may have a hard time getting any kind of loan – especially if you have been missing payments on some of your debts. You could go to a consumer credit counseling agency where they would help you develop a payment plan but it would likely take you five years to complete your plan and you would have to give up all of your credit cards. Debt consolidation loans and debt management plans also have one bad thing in common. Neither can do anything to reduce your debt.
Why choose National Debt Relief?
Probably the biggest reason to choose us to handle your debt settlement is because we are an honest and ethical company that has been in business for a number of years and has a great track record. Also, we are one of the few debt settlement companies that belong to the AFCC or American Fair Credit Council. In fact, membership in this organization is limited to companies that have agreed to charge no fees upfront and that have a history of treating their customers fairly. When you deal with a member of AFCC, you can be confidant that you will be treated well and that the company is conducting fair and honest negotiations as a third-party and without receiving any incentives from debt collectors or creditors. Members of AFCC were able to successfully settle more than $1 billion of unsecured debt last year alone.
If you feel that settlement is for you
If you are heavily in debt and feel that debt settlement might be your best option, call our toll-free number today to get started. You have nothing to lose but that big, black cloud of debt hanging over your head.
