Are you sick of worrying about money so much that it keeps you up at night? Do you look at your monthly statements and almost throw up when you see how much interest you've earned? If so, it's time to get serious and realistic about getting rid of your debt and getting rid of these worries, which could lead to serious physical and/or medical problems.
If you have a lot of debt and want to avoid filing for bankruptcy, you might want to think about debt settlement. Debt settlement is a way to negotiate with your creditors to come up with a lower amount that you can both agree to pay off. Debt settlement isn't as simple as picking up the phone, telling your creditors what's going on, and then getting a generous settlement offer from them. If it were that easy, most people would be making those phone calls. Debt settlement, on the other hand, is a much better option than bankruptcy, credit counselling, or even debt consolidation loans.
You see, your creditors won't forgive even a small part of what you owe them unless your bills are late. Obviously, if your accounts are considered delinquent, you can expect to be put on an automatic dialer in the collection departments of your creditors. This will lead to a lot of annoying phone calls that are meant to scare you into paying. Even though debt settlement isn't always easy, it has helped thousands of people get rid of their debt and finally feel better.
If you want to settle your debts but aren't sure you can handle the harassment and intimidation, or even the negotiating process, you might want to hire a professional debt negotiation firm to help you.
But before you do that, please look at the Better Business Bureau records of each business you're thinking about. Also, don't sign anything from a company that wants a big down payment, set-up fees, monthly maintenance fees, or fees before they provide a service.
If you are determined and don't give up, you can get rid of your debt and have a much healthier and happier future. I hope the best for you.
