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Contact Debt Dispute USA today to learn more about our expert debt relief and consolidation services and take the first step towards achieving financial freedom.

Discovering the Best Debt Relief Services

Achieving a debt-free lifestyle is a wise choice, but it can be challenging, especially if you are already struggling with heavy debt or living paycheck to paycheck. Fortunately, there are various debt relief programs that can help you regain financial stability. However, it is crucial to understand how debt relief works and to find the most suitable solution for your financial situation.

How Debt Relief Works

Debt relief involves negotiating with creditors to reduce or eliminate debt. The most appropriate debt relief solution depends on several factors, such as the type and amount of debt you have, your financial resources, and your ability to make payments. Some of the most common debt relief solutions include debt settlement, debt consolidation loans, and credit counseling.

Debt Dispute

The program is designed to do a number of things:

  1. Get you back to financial solvency within as little as 18 months and boost your credit rating
  2. Give you a new single lower monthly payment that is  interest-free
  3. Save you a rather significant amount of money and help you come debt-free
 

How do we achieve this?  This is through a Nationwide Consumer Rights Law Firm that we have partnered with.  They have over 40 years of dedicated experience to defending and protecting the rights of their clients.  The way that they are able to achieve all of this, is by specializing in stopping creditor abuse, while specifically focusing on violations stemming from the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), and the Credit Card of 2009. We also assist clients when bankruptcy is the most appropriate option based on their circumstances.

They will move your accounts through a legal dispute process, where your creditors are asked to provide all of the correct documentation pursuant to state & federal laws, that are designed to protect you from predatory lending and financing practices. In the vast majority of cases, the creditors are simply unable to provide that documentation. That makes the debt invalid and makes it unable to be legally collected upon.

At that point, it can then be eliminated from your credit bureau and cleaned from your record entirely.

The Firm  takes a “full service” approach, meaning that the attorneys stay with you throughout the entire process. As soon as you become a client, they’ll send notices to your creditors letting them know that they are now representing you and that they will be the one handling all communications on the accounts, ensuring that you don’t have to deal with any of the stress of communication.

In the incredibly rare case that a creditor is able to provide all of the necessary documentation, you’d actually get a refund for what you’ve paid toward that account! Then, the firm will put you on an interest-free payment plan, with a low monthly payment, and you’d only have to repay a portion of the balance to eliminate that debt. So, either way, the law firm makes it absolutely certain that your accounts are completely resolved

The way the program works is you will make one easy lower monthly payment to the law firm to resolve your debt, as opposed to paying your creditors directly.

Depending on your current credit standing, the program could temporarily affect your credit. But again, the entire goal of the program is to eliminate your debt and get you back to financial solvency in the quickest way possible! Once your accounts are resolved, they cannot be reported negatively to your credit, essentially giving you a new fresh start.

Debt Settlement

Debt settlement involves negotiating with creditors to accept a lower amount than what is owed. It can significantly reduce your overall debt, but it may also harm your credit score. Debt settlement is typically recommended for people with over $10,000 of unsecured debt, such as credit cards and medical bills, who cannot keep up with their minimum payments. To ensure that you are not taken advantage of by banks or debt collectors, most people hire debt relief services or debt settlement companies to represent them.

Debt Consolidation Loans

A debt consolidation loan is a debt relief method that involves paying off multiple high-interest unsecured debts with one loan, usually at a lower interest rate. It simplifies bill payments, reduces monthly payments, and can protect your credit score. However, if you have bad credit, it may be challenging to qualify for a traditional debt consolidation loan. Some lenders specialize in loans for people with bad credit, but they often come with high-interest rates and fees. Before deciding on a debt consolidation loan, compare offers from multiple lenders to ensure that you are getting the best deal possible.

Pros and Cons of Debt Consolidation

Debt consolidation has advantages and disadvantages. On the positive side, it can reduce monthly payments, lower interest rates, and simplify bill payments. However, extending the repayment period for your consolidation loan could result in paying more in interest over the life of the loan. Additionally, consolidating your debt with a high-interest loan could damage your credit score, and there is a risk of running up new debt.

Credit Counseling and Debt Management

Credit counseling agencies or debt relief solution companies are non-profit organizations that work with banks to lower interest rates. A debt management plan involves paying back all of your debt owed and reducing your interest rate. To be accepted into a debt management plan, you will need to have a reliable monthly income and be able to keep up with your current minimum payments. Credit counseling is a good option for those not looking to damage their credit score.

In conclusion, finding the best debt relief services requires understanding how debt relief works and identifying the most suitable solution for your financial situation. Consult with debt relief professionals and compare multiple offers before deciding on a debt relief program.

OUR PROCESS

Three Simple Step To Start Working Process

Starting is simple and takes less than a minute, and it may turn out to be the most advantageous financial choice you ever make!

01

Free Consultation

Tell us your situation, then find out your debt relief options – no obligation.

02

Evaluate Plans

Approve your plan, personalized from our suite of products.

03

Best Results

Get back to financial stability and living your life within 24-48 months.

Debt We Can Help With

We cover most unsecured debt and negotiate with major credit card issuers and banks every day to reduce debts.