Are you looking for debt relief? Perhaps you have mounting debt and creditors are constantly hounding you nearly every day.
This can drive you crazy.
If you have trouble paying your bills on time, especially your credit cards, you may want to go for our Debt Settlement program.
Do you find you fit one or more of the following?

• You can barely make the minimum payments on your credit cards.
  
• You are constantly getting calls from debt collectors.
  
• You don't have any money in your bank accounts.
  
• You have trouble sleeping - worried about your mounting debt.
  
• Your marriage is on the skids because of your huge debt.
  
• You don't even want to look at your bank statements.
  
• You're credit cards are maxed out.
  
• You've been denied credit.
  

Debt Relief through Credit Counseling Some consumers obtain debt relief by means of credit counseling.
They contact a credit counseling service who works with credit card companies to lower the interest rate and charges on the card.
With credit counseling, the consumer will become debt free in about four to five years.
Although the time involved in paying off the cards is long, the interest rate they are charged lowered.
Consumers usually go for this option simply because they have been paying more than the minimum payment on their credit cards.
The difference is they don't have to deal with high interest charges.
Debt Relief by Chapter 7 Bankruptcy Debt relief by filing Chapter 7 is and should be the last resort.
The reason is obvious.
Bankruptcy stays on the credit report for up to 10 years.
For consumers who owe a lot on credit cards and do not have an adequate income stream may consider filing Chapter 7 as a way out of their debts.
In a Chapter 7 bankruptcy, a debtor liquidates non-exempt assets of value and pays the creditor with the proceeds from their sale.
This is of value of consumers who do not have any assets of value or ones that are exempt in their state.
In this case, they do not have to pay the credit card companies anything.
For a number of consumers, Chapter 7 bankruptcy is the fastest and cheapest credit card debt relief option available.
Debt Relief by Chapter 13 Bankruptcy Debt relief by filing Chapter 13 is the worst move any consumer can make.
Why? It has a negative credit implication of a personal bankruptcy filing.
You still have to pay back at least a portion of the debt.
In a Chapter 13 bankruptcy, you may be required to hand over any disposable income you have for up to five years before you are finally relieved of your obligation to pay back the debt.
This solution is widely used to settle debts including mortgages and automobiles, not credit cards.
If you are considering this as an option, speak to a licensed bankruptcy to determine if this is the best route to take.
Why go through bankruptcy or credit counseling that keeps you paying your debt for a long time and also hurts your credit.
Instead, if you are facing insurmountable debt, the obvious solution is debt settlement.
Debt settlement, also known as debt arbitration or debt negotiation, is a method where your debts are reduced.
This is done when a debt counselor negotiates with your creditors to accept a lower balance.
This balance will be looked at as payment in full.
The negotiating process involves the company and your creditors, especially credit card companies.
The goal of a debt settlement company is to lower what you owe so you can pay them off faster.
Consumers recognize debt settlement as the best way toward debt relief.
In fact, there have been a number of consumers that joined a debt settlement program, and found themselves debt free within 24 months, while a few were able to become debt free in 12 months.
So if you are really serious about getting out of debt and finding debt relief within a short time, debt settlement may be the best way to go.