Credit Card Debt...Are You Losing Sleep Because Of It?

The truth about paying credit card minimums:  

• Credit card agreements have a Universal Default clause; this allows them to raise your interest because you were late with another company or if they consider you a high credit risk without informing you!
   
• By paying minimum payments on the balance of credit cards it takes an average of 38 years to pay off!

• Without increasing your current balance you will pay back four times your debt in interest payments alone! (thats with a low interest rate too!) 

• 2003 penalty fees such as late charges averaged $10, in 2006 they jumped to an average of $35! Every year more and more Americans come too realize that they are running on the endless credit card treadmill!  

When seeking debt relief these are the most common choices people make .

• First is to try and call the credit card company directly. Only to find that they normally will give you unreasonable terms to deal with your problem. 

• Second is apply for a loan to consolidate your cards hoping to get a lower payment. Only to be denied because you are a high risk with to much credit card debt.

• Next is to try Consumer Credit Counseling. What most people are shocked to find out, is that their payment can be equal to or higher than what you are currently paying and most plans are for over 5 years!

• Finally they give up and say I guess I have to through a bankruptcy! Only to find out it's not as easy as it sounds and it's a public record for the rest of their life.

Does this sound like you? Have you considered any of the above? Still looking for the "Right Solution"?

 Well There Is Another Choice

 "Debt Negotiation"
(also referred to as debt settlement)

  Financial Solutions has been helping thousands of Americans save money and get off the credit card treadmill.

    Most Americans do not have the time or knowledge it requires to manage the debt negotiations process successfully. Many people feel that since they have been a long time customer the credit card company will be sympathetic to their hardship and give them a break.

    We wish debt settlement was that easy, however it is not. In order to successfully negotiate a settlement with your creditors/collectors it requires a well thought out plan of phone calls and settlement proposals over time.

    Debt negotiations require the unpublished knowledge of the policies and procedures of hundreds of companies regarding how settlements are handled. A tactic that works with one company could have the reverse effect and cause another company to become more aggressive.

    Since 2005, Financial Solutions has been offering debt negotiation services to Americans looking to resolve their debt situation in the quickest amount of time for the least amount of money. Since then we have negotiated and settled over thousands of accounts. In doing so we've continued to develop and refine the process and program that we consider to be one of the very best in the country.

    It begins with our philosophy, which is one of "full disclosure.” That means we are telling perspective clients the whole story up front, both the benefits and the potential downside's of debt settlement and making every effort to set the proper expectation upfront.

    We welcome the opportunity to learn more about your situation and together we can determine if our program will be able to help you resolve your current financial crisis and get back on the road to financial freedom.

Click below to contact us or call 866-535-3451