Please read below to see if the possibility of debt negotiation is right for you, and if Consumer Debt Help Association is the right choice for you. We are going to give you a quick rundown of the top 10 reasons to trust us to help you get out of debt. Even though our stellar reputation speaks for itself, making this decision should not just be because we are an BBB accredited business with an “A+” rating.
We want to help you in this difficult time. We hope you know there are different solutions to getting out of debt and that they’re available to you and we want you to make the right choice for your situation.
Your monthly payment does not go towards fees, it will go into a savings account to be used to negotiate with your creditors. You will never pay a fee until we achieve a debt reduction for you. And even then, the total amount of your settlement plus our payment will be less than the amount you currently owe, never more. You have absolutely nothing to lose but a portion of your debt that you currently owe.
We want you to understand exactly what to expect before you become our client, we never want to enroll someone in our program if there is a better option out there for your situation. We are here to answer any questions you have for as long as you need before you enroll and throughout the entire program. No pressure, no sales tactics – we’re here to make sure you make the right decision for your situation.
Our Debt Negotiators are all IAPDA certified, and go through continuance training to keep up to date with the ever changing industry. Our company has already established long lasting relationships with all creditors and collection agencies since we have been in the business since 2009. We have extensive knowledge in the relevant Federal and State consumer laws regarding debt negotiation.
Since most settlements are in lump sum amounts and it is difficult to save for these settlements we will help you save up by giving you one monthly payment that will go into an FDIC insured account in your name, and you will have 24/7 access to this account so you are always in the loop with what is going on with your accounts.
We’ll keep constant communication with your creditors, this way they are contacting our office instead of you. Keeping in constant contact with your creditors is one of the things that lets them know that you are trying to settle your debts rather than avoid them. We want to take as much stress off of you as we can in this difficult time, this is just one of the many things that we do to help alleviate the stress.
We will go over your budget with you and figure out if the program is even affordable, sometimes we have to turn clients away because they are just is such a financial hardship that they would ultimately fail and we never want to put anyone in a worse situation that when they started with us. Usually, you’ll have a lower overall monthly payment on our program than you had paying the minimums for your creditors previously, this way you can stop stressing about how you are going to pay for your other monthly bills that you have to pay.
Our program lengths depend on your situation and what you can afford, the more that you have available to save monthly means the faster your program will be over. The way negotiations work is that settlements are time sensitive and the availability of funds at certain times during the program can dramatically increase the savings on an account. our program lengths can be as short as 12 months or as long as 48 months depending on how severe your debt is and how high of a payment plan you can commit to.
Satisfaction guaranteed. You can cancel at any time during the program and receive all of the money in your dedicated savings account. This amount will be less payments made to creditors and fees earned for settlement agreements that have been reached and money has been paid to your creditor for that settlement agreement.
Even though it is not ideal, if an emergency comes up and you need to take money out of your dedicated savings account you can always do that. But please understand that this should only be done in an emergency and there is no other way, taking money from your dedicated savings account will hinder our ability to take settlement offers and pay your creditors. This would never be an option from your creditors, that is because they only care about money, we care about you!!
Getting you out of debt for less than you owe, stopping the cycle of paying a large portion of your monthly payments to interest. This will make your future more prosperous, and your money will be going to the right places instead of paying interest month after month.
Please give us a call to ask any additional questions and get our recommendations on the best course of action based on your financial situation.
We hope you’ll understand all of your options and consider a debt negotiation plan with us if that is the right option for you. We hope to hear from you today. Our toll free number is 888-DEBT-021.