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“What does true credit relief look like?”
1. You can stop paying your credit card bills.
2. You stop getting collection phone calls.
3. You stop receiving collection demand letters and threats.
4. Your creditors cannot garnish your wages or seize your unsecured assets or income.
5. You completely avoid bankruptcy.
6. Your credit is restored.
7. You are able to sleep at night and stop worrying!
8. Your relationship with your partner improves.
9A. You eventually settle with your creditors for as little as 10 cents on the dollar with no final tax bill.
Or
9B. You let the statue of limitations run out and completely avoid collection.

“Debt Settlement promises … how can this be?”
Of course, there are many debt settlement and credit repair companies out there that promise fantastic results. But the reality is that none of them, not one, has the approach and the legal muscle to hold any sway over the credit card companies. Of course some “expert” can represent you and might get some reduction in your credit card interest (at a cost which barely justifies it), but if the credit card companies feel there’s any chance to get money from you, there’s just little incentive for them to give you a break.

“Be careful!”
If you do decide to contact your credit card company directly to try and get some immediate credit debt relief, they will often categorize you as “high risk”. It’s not uncommon then to have your available credit line cut to zero, your interest rate boosted (sometimes up to 39%), your minimum monthly payment increased from 2% to 5% (taking a $500 a monthly bill up to $1,300). So, think twice before you consider contacting your credit card company directly.

“Who has the cash (in this recession) to pay for a lump sum settlement?”
Many debt settlement companies will promise and can sometimes receive a 50% reduction in your credit card debt, if your situation is verifiably dire enough to merit it. But then you actually have to possess the 50% cash required (of your debt owed) to get that settlement. If you are lucky enough to have the cash and get the settlement from the credit card company, then (undisclosed by most debt settlement companies) you will receive an IRS 1099 tax bill for the amount of debt forgiven. The settlement, plus the tax owed on the debt forgiven, can bring your total bill to 70 to 75% of your total consumer debt. If your monthly payments are becoming too much to bear, how are you going to come up with 75% of the amount owed?

“Is there any hope for you?”
Fortunately Yes! We have a technique that utilizes the bank’s own legal techniques to put an unstoppable barrier and asset protection between the creditors and you. Once this is in place and the creditors have realized that you are bulletproof, our company settles with your creditors for pennies on the dollar. They answer all your creditor phone calls, respond with attorney guided responses to demand letters, and legally restore your credit profile to better than what is was when you started the program. (By the way, there are a couple of copy cat programs out there that attempt to do this, so be sure that you are utilizing only the proven legal process that will stand up in a court of law). Our company has been implementing this legal process for 6 years with over 2,000 very satisfied customers, who have achieved complete peace of mind and debt relief through this attorney guided and monitored process.

“Don’t despair about your current economic situation!”
It’s only a moment in time and you can now resolve your consumer debt and get yourself back in the financial game with a second chance and a fresh start now. And, after you resolve your debt, we have other proven and verified strategies and systems to help you start generating top-quality passive income to move quickly towards your financial goals.

Good luck and wishing you a peaceful and profitable future,
consumersdebthelp.com