Debt Reduction Solutions  Debt Reduction Services
 Choosing between bankruptcy or debt reduction services
With the DRAMATIC changing of the Chapter 7 Bankruptcy Laws, we feel that 80% of Chapter 7 bankruptcy will go away by October 2005. Debt reduction services are the LOGICAL replacement to Chapter 7 Bankruptcy. The current choice the government is proposing is Chapter 13 bankruptcy. Yet debt reduction services are a FAR superior method of serving the customer compared to Chapter 13. Chapter 13 typically serves the creditor far more than the client.
 Valuable Bankruptcy Alternatives Our costs to operate are significantly lower than a bankruptcy lawyer who would attempt to negotiate for you. Thus, we can hire more debt reduction negotiators per client than your attorney could afford to. Our debt reduction negotiators are extremely persistent with the credit card companies to obtain the lowest possible debt settlement. Also, we feel our debt reduction techniques are FAR superior than that of a bankruptcy lawyer. We have the best debt reduction services team in the market as we currently average 62% OFF the current balance. Call us (Toll Free: 888-248-900) and we’ll prove it to you by showing you our last 40 settlements the company has performed. Click here for a REAL LIFE EXAMPLE!
Our debt reduction services are based on working out customer specific debt reduction programs depending upon the debt situation of the customer along with the debt settlement negotiation with the creditor.
Another advantage of our debt reduction service is that it starts to improve your credit rating over time by reducing your debt-to-income ratio. Also our debt reduction programs help stop creditor harassment for you! As the debtor, you will not receive any bills or pay the creditors directly. Our debt reduction program will directly take control over the creditors.
Types of debts we don't work with
Most student loans or SBA loans.
Home Loans/Mortgages
Automobile Loans (if you still have the car)
Federally Guaranteed Student Loans
Equity Credit Lines
Any Loan Secured by Property
Child Support
Utility Bills
Phone Bills when the line is still connected
Who qualifies for debt reduction services
Debt reduction services are not for everyone. People who should apply for debt reduction services are:
People who quality for Chapter 7 and don't want a bankruptcy on their record.
People who qualify for Chapter 11 bankruptcy.
People on Retirement, Social Security or Disability.
People who are struggling or behind on your bills.
People who are facing some type of hardship (loss of job, significant reduction of pay, medical problems etc.)
People who have a high debt-to-income ratio.
You must have a job or some way of making payments (payments will be1.5%-2.0% of your debt amount)
If this doesn’t sound like you, then paying the debt off in full may be the best option to debt reduction services.
Debt Management Consultants & Costs
Also, debt management is also an alternative to works for the majority of Americans. Just beware of the prices for debt management companies – though their monthly cost is less than debt reduction service companies, they only reduce the interest rate. You must still pay the full amount of the principal plus full interest (at a reduced rate).
The real time period of d ebt management companies are 7-9 years. With both debt reduction service and debt management companies, you must give up use of your credit cards for the time you are on the programs. We will provide you with a Debt card with a Visa logo. This is a free service our company provides to you at no costs. You may use this card similar to you would a Visa credit card.
Debt Reduction Versus Debt Management
Please research the best debt management company to see which one fits your needs. The fees and customer service to customer ratio’s are truly the only thing that sets these companies apart since the interest rates they have negotiated with the creditor are all EXACTLY the same.
Good debt management companies will have 1000 customers to 1 employee. Good debt reduction service companies will have less than 200 customers to 1 employee. (Our debt reduction service has 100 to 1). This is the major reason for that debt reduction services companies have high monthly fees compared to debt management companies. Simply put, you get what you pay for.
Debt management companies do VERY little work on a monthly basis once your account is set up. Debt management firms are MUCH more profitable than a Debt Negotiation Services company. This is the case even though they are officially a NON-profit firm. To truly help you out with your finances, make sure the Debt Management monthly fees are as low as possible. Sometimes Debt Management is a better option than Debt Reduction Services. We just ask that you find out which option is TRULY best for you.
If you are unsure whether you qualify for this program sign up right away for a FREE consultation!
Contact us at info@best-debt-reduction-solutions.com or call Toll-Free at 888-248-9891
We take our payment on a performance basis as a flat percentage of the amount we save you from your settlement.
Don't pay us any settlement fees until AFTER a settlement has been paid!!!
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