Debt
Management Advisors is a full service debt negotiation company that
helps people encountering financial difficulties. We provide debt relief and
reduction services to hundreds of Americans each year, frequently slashing
total payments by 50% or more by negotiating debts down to levels acceptable to
both the client and the creditor.
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Each year, hundreds of
thousands of Americans find themselves deeper in debt because of credit card
spending and high interest rates. We offer a service that eases the stress that
comes with mounting bills and debt levels - all with a friendly, professional
courtesy that has made our agency a leader in its field.
If you find yourself
overburdened by debt and are having trouble keeping up with your bills, Credit Counseling & Debt Management Advisors has the answer to your
problem. For a free consultation here, or read more
about our company.
Just imagine you could wave a
magic wand and turn that $25,000 of credit card debt into $12,500 or as little
as $9,000. Wouldn't that make a HUGE difference to your financial future? While
most people are skeptical that this approach is possible, if you have a
professional debt negotiator on your team, the odds are very good that he or she
can cut your debt by 50% or more.
Why Is This Option
Possible?
For a moment, put yourself in the shoes of the collection department manager at
a major credit card bank. You know that bankruptcies are at an all-time high,
that many consumers file bankruptcy at the drop of a hat, and that the chances
of collecting any money get worse as the debt ages.
Let's also say you have the
opportunity to close your books on a delinquent account by collecting
fifty-cents for every dollar owed by the debtor, or take a chance on never
collecting a single penny by trying to hold out for the full account value.
You also realize that once the
debt leaves your bank (usually after six months or so), it will go to a
third-party collection agency. The agency will take at least 15%-20% commission
right off the top of whatever they collect, and they are unlikely to collect
more than 70% of the debt, even using the most aggressive tactics. So you'll
probably never retrieve much more than half of the money anyway. When you look
at it this way, collecting 50% does not seem like such a bad prospect.
How Debt
Management Can Help
The past several decades have seen an explosion in the levels of consumer debt.
While many of our parents and grandparents
went their entire lives without incurring any debt beyond possibly their
mortgage, their children and grandchildren seem to
be making up for lost time. These days it is not unusual for college or even
high school students to have their own credit
cards, but unfortunately education on how to use credit wisely seems to be
lacking.
Few high schools and colleges offer even a rudimentary course on how to budget
money and use credit wisely, so it is no
wonder so many people get in over their heads when it comes to credit cards and
other consumer loans. It is all too easy to
just sign your name for every purchase and forget about the inevitable bill.
The huge rise in levels of consumer debt has created a virtual cottage industry
in Credit Counseling & Debt Management services. These services
seek to help consumers dig themselves out of their credit card debt and stand on
solid financial footing once again. The best
Credit Counseling & Debt Management services do far more than help consumers reduce and eliminate
their current debt. A good Credit Counseling & Debt Management
service will help those consumers to learn about budgeting and financial
planning. Only by learning good budgeting and
spending skills can a consumer be assured that he or she will not fall back into
the credit card trap.
Credit Counseling & Debt Management firms work with creditors on the behalf of consumers. They are
often able to negotiate friendlier repayment
terms than the individual can work out on their own. For instance, a credit card
company may be willing to lower your
interest rate substantially to make sure you are able to repay the balance you
owe. In some cases, the bank may even be
willing to accept a lesser amount than what you owe. After all, it is in the
bank’s best interest as well as your own to keep
you out of bankruptcy court.
Credit Counseling & Debt Management companies have experience negotiating these kinds of deals. They
often have contacts within the major banks
and credit card companies. They are able to use these contacts to get deals
unobtainable by the consumer working on their own.
As important as it is, paying off current debt is only part of the problem, and
it should be only part of the solution
offered by a legitimate Credit Counseling & Debt Management company. It is just as important for a
Credit Counseling & Debt Management firm to offer credit
counseling services and budget courses to their clients. When shopping for a
Credit Counseling & Debt Management company, be sure to inquire
about these kinds of services. A Credit Counseling & Debt Management company that offers extensive
credit counseling and budgeting services can
help you to remain debt free.
Learning to budget your money is one of the most important financial skills
there is. Unfortunately, this vital life skill is
all but ignored in the school system today, and even most colleges devote
precious little time to this subject. No matter how
much or how little money you make, it is absolutely essential that every
consumer learn how to live within their means and
budget their money properly. A good Credit Counseling & Debt Management company will understand the
importance of this skill to your long term
financial well being and will devote the time necessary to help every client
prepare and stick to a good budget.
The bottom line is that Credit Counseling & Debt Management can help when consumers get into
trouble, but it is vital to choose a Credit Counseling & Debt Management
firm that has your best interests at heart. The best Credit Counseling & Debt Management firms work
hard to not only eliminate current debt for
their clients, but also ensure that they do not incur further debt.
