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HomeBlog Debt ReliefYou Can Get Credit Card Relief
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You Can Get Credit Card Relief

January 23, 2013 by National Debt Relief

Holding credit card and looking at laptopDo you have so much credit card debt that you dread getting up in the morning? Have you been unable to make even the minimum monthly payments on your credit cards for the last four, five or even six months? Are debt collectors calling you multiple times a day to harass you? Then we don’t have to tell you that you have a bad credit card debt problem. You’ve already figured that out. What you probably haven’t figured out is how to get credit card relief.

Transfer your balances

If you have eight or even 10 credit cards that have interest rates of 18% or higher, you might be able to transfer all those balances to a card with a much better interest rate. Most of the credit card companies now offer no-frills credit cards with interest rates of 12% or even better. Many are now also offering balance transfer cards at 0% interest. If you can qualify for a 0% interest card, you could transfer the balances on those other cards to the new one and pay 0% interest for up to 18 months, depending on the card you choose. You would still be making payments but the money would reduce your balance instead of just paying your interest charges. If you could get 18 months of no interest, that could be enough time to completely pay off your balance and become debt free. How would that be for credit card relief

Increase your earnings

There are companies that would like you to believe there is some secret or special way to pay off credit card debts. Well, there isn’t. If you want to get credit card relief, it’s pretty simple. You can either cut your spending dramatically and use the money you free up to pay down your credit cards or you can find ways to earn more money. You might be able to get a part-time job working evenings or weekends and use that money to pay down your debt. If you have the appropriate skills you might be able to make extra money doing handyman jobs. If you have good computer skills, you could earn money on the Internet by creating an online store or by selling your skills – for example as a copywriter.

Revise your income tax withholding

A very quick way to get credit card relief is by changing your income tax withholding. If you’ve been using over-withholding as a kind of forced savings account, you could change your number of exemptions and get more money in your paycheck. Also, you should definitely review your W-4 and see about making changes if you were married or divorced during the past year or had a child.

Get credit card relief through debt negotiation

A way to get credit card relief that has become increasingly popular over the past few years is called debt negotiation. This is where you contact your lenders and offer to settle your debts for pennies on the dollar. For example, if you owed a credit card company $5,000. you could contact it and offer to settle your debt on the spot for $2,000. The credit card company might not accept your $2,000 offer but might agree to settle for $2,500.

Why so many families turn to National Debt Relief

Debt negotiation or debt settlement is really the only way to get your debts reduced. However, it does have a downside, which is that you must have the money available to pay the settlements you negotiate. You also have to be a very good negotiator because the credit card companies are not anxious to let customers settle for less than what they owe. It is for these reasons that so many families have turned to us to handle debt settlement for them. We have a track record for being able to save people thousands of dollars and become debt free in 24 to 48 months. Call us today for more details about debt settlement and a free quote.

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.

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Kyle Cunningham
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