Debt elimination programs have the potential to save you tens of thousands of dollars - but there are definitely risks involved with signing up with a typical debt settlement company. First, they can take the money and run. Many companies charge up-front fees - they collect monthly payments from you and after the last payment is received, they mysteriously vanish.
Second, you may be assigned an incompetant debt counselor. Don't underestimate the importance of this fact. Debt settlement companies negotiate settlements with multi-billion dollar credit card companies. They are highly experienced. Therefore, your debt consultant better be also. Last, your credit will be shot. There is no post-settlement credit repair. You will be left with the feeling that you took care of one problem, only to find yourself with another!
First, we utilize a performance based fee model. Our fees depend upon how much we save you. There are no up-front fees of any kind!
These Missing Ingredients Are Absolutely Critical For Successful Debt Elimination
As far as we know, no debt settlement company provides all of the above protection to address the pitfalls of debt negotiation. That is like having major surgery to remove a tumor without a pre or post surgery evaluation. The nurse simply wheels you into the O.R., the physicians cut you open, remove the tumor, don’t bother to sew you back up, and immediately shuffle you out the door!
Just like the surgery analogy, there most likely will be problems with your creditors, future lenders and debt if you decide to negotiate your debt without the above additional services.
Yes, debt negotiation may be risky business. Do not believe debt negotiation companies when they paint a picture of peaches and cream. They will hypnotize you by telling you that it is so easy to settle your debt without any risk whatsoever. Know the risks and prepare in advance how to deal with them.
The only way to know for sure is to check for yourself. You be the judge. Ironically, it is not the advice of debt elimination “experts” that you should follow; it is you who needs to gather all the facts and decide which strategy to choose.
Why? Because most debt elimination “experts” will suggest a debt reduction strategy for self-interest purposes-because they just happen to sell the service that they are recommending. It may or may not be the most effective strategy for you.
But why take that risk? After all, we’re not talking about buying a bag of peanuts. We are talking about the difference between sending your entire retirement check for who knows how long to your greedy credit card companies, and being 100% debt-free!
In order to select the most effective strategy to get out of debt, you need to start by knowing and weighing the benefits and risks of each debt elimination program. Next, select the program which the pros outweigh the cons the most. Finally, you need to research the credibility of the potential debt elimination company you choose to hire.
Debt Elimination May Be The Fastest And Least Costly Method To Get Out Of Debt, But How Is It The Safest?
It’s only the safest method if the debt elimination company integrates credit repair, attorney consultation and a strong guarantee into the program. Keep in mind that if you are delinquent with a debt, any creditor, lender, or debt collector has a right to take legal action against you.
If you have an attorney by your side, there is a much greater probability of the creditor not taking legal action, but rather negotiate a settlement or a repayment plan with you.
Why? Because most debt collectors threaten delinquent borrowers with a lawsuit as a scare tactic. They don’t want to sue, it’s too costly. Therefore, if they know that if you are armed with an attorney, they know they cannot lie, cheat or deceive you.
Also, if you don’t make your payments on time, any creditor, lender or debt collector can, and most likely will report to all three major credit bureaus regarding your delinquency.
Furthermore, you need the debt elimination company to offer a strong guarantee. Do they guarantee a specific settlement amount? Do they guarantee that you can terminate their services at any time without being assessed a penalty? Do they offer a free trial so that you can get a taste of their expertise? To increase the odds of safely getting out of debt, these features are critical.
We are not a debt settlement company. Rather, we are debt elimination consultants. Debt settlement is only one strategy of several we utilize to wipe-out your debt.
If you qualify, you may be able to:
- Relive your debt-free life by eliminating your debt in approximately 12-48 months!
- Get some breathing room by slashing your credit card payment about 30% to 60%
- Relieve stress by cutting your credit card balance roughly 50%
- Get peace-of-mind by eliminating or reducing creditor harassment
- Simplify your life by consolidating your bills into one, low, flexible monthly payment
- Receive our free credit repair program. Boost your FICO score and enjoy low interest rates on future loans!
- Utilize our free attorney consultation - feel protected should any of your creditors threaten you.
- Take advantage of our 10 day free trial - feel so confident that you are under the guidance of expert debt consultants
- Feel secure knowing that if we don't negotiate your debt for pennies on the dollar, you don't pay anything!
...But You Must Qualify in Order to Get Out of Debt Fast
Our Debt Eliminator program requires you to have a minimum of $10,000 of unsecured debt (e.g. credit card debt, medical bills, collection/charge-off accounts).
Also, you must have at least one source of income. Last, you must currently suffer from stress, or financial hardship caused by never-ending credit card payments.
Test Our Competency With Our Free, No Risk, 10 Day Trial!
What's more, if you qualify for our program, you may enjoy our no-risk, no-strings attached 10 day free trial.
Enjoy immediate relief. Your free trial includes:
- Saving money by negotiating with your creditors to reduce, or on occasion, eliminate your interest rates. Have more spending money!
- Research to see if you're not legally responsible to pay-back any of your current or past debt collectors.
- Show you how to order a free copy of your credit report (or we can also order it for you). We then start repairing your credit. Also, we utilize various strategies that will boost your credit score.
- Send attorney prepared letters to your debt collectors demanding that they refrain from harassing you.*
* Not all of the free services may apply to you. For example, if you are current with your payments, debt collectors aren't harassing you.
Try Us for Free.
We want you to feel safe and secure knowing that you are doing business with a company of integrity, experience and credibility. What would be better than a free trial? It shifts the risk to us to prove that we are highly experienced and competent.
Enjoy More Spending Money with Our Free Credit Repair and Credit Score Maximizer Program®
If you settle with your creditors, your credit will be temporarily affected. Throughout our Debt Eliminator program, we perform various techniques that rebuild your credit and raise your credit score. Our credit repair program is comprehensive and takes about 1-4 years to complete.
Our credit repair and Credit Score Maximizer program may save you $1,000’s. Obviously, better credit equals lower interest rates, usually a lower down payment, better loan terms, and easier qualifying.
Good credit has other benefits as well. For instance, more employers are basing hiring and promotion decisions based partly on a candidate's credit. Furthermore, if you are a renter, you may negotiate a lower move-in cost.
Below is a comprehensive list of credit repair techniques that we perform during and after your debts are settled:
- Write letters to the credit bureaus demanding that they delete any negative information that is on your report that's older than 7-10 years. Legally, this is your right.
- Check your credit report for old accounts that you are not legally responsible to repay. This law is known as the Statute of Limitations (SOL). Debt collectors have a limited time to collect debts (the time-frame varies from state to state). If they cannot or will not attempt to collect an old debt, you are not legally required to repay the debt!
- Provide you with a copy of your free credit report and show you how to read and understand your report (optional).
- Explain and help protect your rights as a debtor, in regards to your creditors, debt collectors, and the credit bureaus.
- Ensure that your creditors have reported all of your on-time payments to the major credit bureaus.
- Request that your creditors remove any negative marks on your credit report in exchange for a payment or a pay-off of the balance. This request is occasionally, but not always granted.
- Challenge inaccurate, outdated or misleading information contained in your credit report. Our dispute letters are written by attorneys. The correspondence demands that the incorrect information be corrected or deleted from your credit report. Federal law requires that the credit bureaus delete all accounts that you dispute and cannot be verified by your creditors or debt collectors.
- Follow-up to ensure that the credit bureaus send you written proof of the successful accounts that were disputed and deleted from your credit report.
- Perform Debt Validation. If debt collectors cannot, or will not provide you with proof that you owe the debt, then you are not legally responsible to repay it! If proof is not provided, we contact the credit bureaus to delete the account(s). This technique alone proves how professional credit repair can put $1,000's in your pocket!
- Perform various techniques that raise your credit score. e.g. advising you how low to keep the balances of your credit cards, how many accounts to have open, which accounts to close, etc.
- If you choose a debt negotiation program, we bargain with your creditors to modify or delete the negative phrasing on your credit report. For example, instead of an account stating, Settled for less than full amount, we request that it be expressed as paid as agreed.
The Result Is a Larger Bank Account
Upon completion of a credit repair program, your credit score should rise substantially. Therefore, creditors will offer more attractive interest rates. As a result, your monthly payments will be lower. Consequently, you will be able to save more. That's how professional credit repair can put $1,000's in your pocket!
Just How Credible Are We?
We are licensed by the State of California. We are authorized to perform credit related services. In the 14 years as a licensee, we have ZERO complaints on our record. We are in excellent standing. Feel free to contact The D.R.E. @ (877) 373-4542 for a background check. In addition, we have NO complaints filed against us with the Better Business Bureau (B.B.B.), the Attorney General's Office (GA), the Federal Trade Commission (F.T.C.), or the Department of Consumer Affairs (CA).
Our fee model eliminates two common risks of debt settlement. First, we can't take the money and run. Our costs are never charged up-front. Nor are there monthly fees of any kind.
Next, we base our charges on a percentage of how much we save you - similar with attorney fee models. The more we save you, the higher our costs. Therefore, it's in our best interest to settle your debt for as low as possible!
The Risk Is On Us- Our Services Are Guaranteed In Writing!
Because our services are guaranteed in writing, the risk shifts from you to us. Our greatest benefit is our guarantee that your creditors will reduce your debt for an average of 50% (or more) for every account that your creditors agree to settle.
For example, if you have a Visa card with a balance of $1,000, the maximum that you will have to pay back is only $500! You will feel a sense of joy knowing that you are saving $1,000's!
Get Some Breathing Room by Slashing Your Monthly Payment
Once you're enrolled in our program, your monthly payment will significantly drop(about 25%-50%). The more debt you carry, the greater your payment will be reduced.
As a result, you will have more breathing room. Your stress level should decrease.
Kiss the Debt Collectors Goodbye When They Call
We utilize various techniques that will drastically reduce, or eliminate the debt collectors from harassing you. For example, we often send attorney prepared hardship letters to the debt collectors. We demand that they stop harassing our clients.
There will be no need to feel stressed by answering their annoying calls. You won't need to hear those rude comments anymore. As a result, you will have comfort and time to do more important things.
Enjoy the Convenience of Being Able To Make Only One Flexible Monthly Payment
Our Debt Eliminator consultation program requires only one, low, flexible monthly payment. You choose the date and the payment amount.
If, for example, you have unexpected expenses during any given month, then the following month's payment can be lower than usual. Alternatively, if you wish to complete the program sooner, you may choose to make larger than normal monthly payments.
Rewind the Clock and Re-live the Peaceful Time When You Had No Debt...
If you meet the above requirements, why not take advantage of our safe revolutionary program that debt negotiation companies refuse to offer. You have absolutely nothing to lose.
Hop off the credit card treadmill now and rewind the clock to the peaceful time when you were debt-free! Give us a call now.
