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dfrank, Author at Credit Card Debt Consolidation | Debt Relief Programs
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Arizona Debt Settlement

Debt Settlement In Arizona Get debt relief in Arizona today! If you live in any of these cities or anywhere in Arizona we may be able to help resolve your debt problems. Phoenix, ArizonaTucson, ArizonaMesa, ArizonaChandler, ArizonaScottsdale, ArizonaGilbert, ArizonaGlendale, ArizonaTempe, ArizonaPeoria, ArizonaSurprise, Arizona Call now for a free, no obligation analysis 866-601-7857 Contact US Frederick, MD 21704 866-601-7857 info@debtrx.com Arizona Debt Settlement & Credit Card Debt Relief Get debt relief in Phoenix, Tucson, Mesa, Chandler, Scottsdale, Gilbert, Glendale, Tempe, Peoria and Surprise Struggling to make payments can cause your credit rating to decrease which in turn can raise interest rates. You end up taking out even more loans to pay off your already existing bills. Before you know it, your debt has become self sustaining and is making life absolutely miserable. Debt settlement comes into play only when you have many late or skipped payments and possibly collections accounts. A creditor or collector is not going to accept less than you owe if there’s reason to believe you could pay the full amount that you originally agreed to. Being in debt can feel like you are sinking with no easy way out, but there is hope and there are solutions. If you are looking for debt settlement then DebtRX  may be able to help negotiate with creditors to reduce what you owe. DebtRX will help you find the option that is best for you.  We can save you time and money, and help you to regain your financial freedom.  Call now for a free, no obligation analysis 1-866-601-7857 or Start online now! Experienced Debt Settlement Debt Negotiation Regain control of your finances and obtain one low program payment. Our team of debt negotiators has settled millions of dollars of unsecured debt. Years of experience in the consumer credit and debt settlement and debt negotiation industry. Analyze Your Credit Debt Settlement Strategies How does “Debt Settlement” or “Debt Negotiation” work? Debt Settlement Debt Negotiation works by negotiating the balance owed on your unsecured debt so the amount paid is less than owed. We design an affordable monthly savings plan and your savings are used to obtain a deal from your creditors. Will I continue to get calls and collection letters from creditors? Most likely, yes. Any time you are behind, with or without a program, you will receive calls. However, many creditors are accommodating. Additionally, calls may reduce after the original creditor receives a detailed hardship letter from you. Will debt settlement debt negotiation affect my credit? Debt Settlement or Debt Negotiations effect on your credit score will depend on your current credit status before starting any settlement program. Very few people with debt problems have perfect credit and debt settlement is meant to be a hardship program. About Our Company We are the Debt Settlement Group (Debt Rx) and are one of the longest operating Debt Settlement and Debt Negotiation firms in America. We are not the largest, because our focus has been more on personal attention and service of existing clients than that of enrolling new ones.

Alaska Debt Settlement

Debt Settlement In Alaska Get debt relief in Alaska today! If you live in any of these cities or anywhere in Alaska we may be able to help resolve your debt problems. Anchorage, AlaskaJuneau, AlaskaFairbanks, AlaskaBadger, AlaskaKnik-Fairview, AlaskaCollege, AlaskaWasilla, AlaskaTanaina, AlaskaLakes, AlaskaKalifornsky, Alaska Call now for a free, no obligation analysis 866-601-7857 Contact US Frederick, MD 21704 866-601-7857 info@debtrx.com Alaska Debt Settlement & Credit Card Debt Relief Get debt relief in Anchorage, Juneau, Fairbanks, Badger, Knik-Fairview, College, Wasilla, Tanaina, Lakes and Kalifornsky Struggling to make payments can cause your credit rating to decrease which in turn can raise interest rates. You end up taking out even more loans to pay off your already existing bills. Before you know it, your debt has become self sustaining and is making life absolutely miserable. Debt settlement comes into play only when you have many late or skipped payments and possibly collections accounts. A creditor or collector is not going to accept less than you owe if there’s reason to believe you could pay the full amount that you originally agreed to. Being in debt can feel like you are sinking with no easy way out, but there is hope and there are solutions. If you are looking for debt settlement then DebtRX  may be able to help negotiate with creditors to reduce what you owe. DebtRX will help you find the option that is best for you.  We can save you time and money, and help you to regain your financial freedom.  Call now for a free, no obligation analysis 1-866-601-7857 or Start online now! Experienced Debt Settlement Debt Negotiation Regain control of your finances and obtain one low program payment. Our team of debt negotiators has settled millions of dollars of unsecured debt. Years of experience in the consumer credit and debt settlement and debt negotiation industry. Analyze Your Credit Debt Settlement Strategies How does “Debt Settlement” or “Debt Negotiation” work? Debt Settlement Debt Negotiation works by negotiating the balance owed on your unsecured debt so the amount paid is less than owed. We design an affordable monthly savings plan and your savings are used to obtain a deal from your creditors. Will I continue to get calls and collection letters from creditors? Most likely, yes. Any time you are behind, with or without a program, you will receive calls. However, many creditors are accommodating. Additionally, calls may reduce after the original creditor receives a detailed hardship letter from you. Will debt settlement debt negotiation affect my credit? Debt Settlement or Debt Negotiations effect on your credit score will depend on your current credit status before starting any settlement program. Very few people with debt problems have perfect credit and debt settlement is meant to be a hardship program. About Our Company We are the Debt Settlement Group (Debt Rx) and are one of the longest operating Debt Settlement and Debt Negotiation firms in America. We are not the largest, because our focus has been more on personal attention and service of existing clients than that of enrolling new ones.

Alabama Debt Settlement

Debt Settlement In Alabama Get debt relief in Alabama today! If you live in any of these cities or anywhere in Alabama we may be able to help resolve your debt problems. Birmingham, AlabamaHuntsville, AlabamaMontgomery, AlabamaMobile, AlabamaTuscaloosa, AlabamaHoover, AlabamaDothan, AlabamaAuburn, AlabamaDecatur, AlabamaMadison, Alabama Call now for a free, no obligation analysis 866-601-7857 Contact US Frederick, MD 21704 866-601-7857 info@debtrx.com Alabama Debt Settlement & Credit Card Debt Relief Get debt relief in Birmingham, Huntsville, Montgomery, Mobile , Tuscaloosa, Hoover, Dothan, Auburn, Decatur and Madison Struggling to make payments can cause your credit rating to decrease which in turn can raise interest rates. You end up taking out even more loans to pay off your already existing bills. Before you know it, your debt has become self sustaining and is making life absolutely miserable. Debt settlement comes into play only when you have many late or skipped payments and possibly collections accounts. A creditor or collector is not going to accept less than you owe if there’s reason to believe you could pay the full amount that you originally agreed to. Being in debt can feel like you are sinking with no easy way out, but there is hope and there are solutions. If you are looking for debt settlement then DebtRX  may be able to help negotiate with creditors to reduce what you owe. DebtRX will help you find the option that is best for you.  We can save you time and money, and help you to regain your financial freedom.  Call now for a free, no obligation analysis 1-866-601-7857 or Start online now! Experienced Debt Settlement Debt Negotiation Regain control of your finances and obtain one low program payment. Our team of debt negotiators has settled millions of dollars of unsecured debt. Years of experience in the consumer credit and debt settlement and debt negotiation industry. Analyze Your Credit Debt Settlement Strategies How does “Debt Settlement” or “Debt Negotiation” work? Debt Settlement Debt Negotiation works by negotiating the balance owed on your unsecured debt so the amount paid is less than owed. We design an affordable monthly savings plan and your savings are used to obtain a deal from your creditors. Will I continue to get calls and collection letters from creditors? Most likely, yes. Any time you are behind, with or without a program, you will receive calls. However, many creditors are accommodating. Additionally, calls may reduce after the original creditor receives a detailed hardship letter from you. Will debt settlement debt negotiation affect my credit? Debt Settlement or Debt Negotiations effect on your credit score will depend on your current credit status before starting any settlement program. Very few people with debt problems have perfect credit and debt settlement is meant to be a hardship program. About Our Company We are the Debt Settlement Group (Debt Rx) and are one of the longest operating Debt Settlement and Debt Negotiation firms in America. We are not the largest, because our focus has been more on personal attention and service of existing clients than that of enrolling new ones.

Debt Calculator

Debt Calculator All Services Bad Credit Bankruptcy Bankruptcy Alternatives Credit Counseling Debt Calculator Debt Consolidation Debt Relief Debt Settlement Debt Settlement Scams Do-It-Yourself Debt Settlement Shopping Debt Settlement Get debt relief today! Call now for a free, no obligation analysis (866) 601-7857 Contact US Frederick, MD 21704 (866) 601-7857 info@debtrx.com Get debt relief today! Look at where paying creditors directly has gotten you so far. Chances are you have already paid them for what you bought and the balance left over is just interest charges. We hear all the time that creditors were not willing to work with debtors. If you would like to find out how these programs might benefit you, just give us call. Calculator is for estimating purposes only and may not be accurate or apply to your situation. *Individual results will vary based on circumstances, including your ability to save sufficient funds and completing the program. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume or pay any consumer debt, or provide tax, bankruptcy, accounting or legal advice or credit repair services. Debt Settlement programs do not make monthly payments to creditors. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Read and understand all program materials prior to enrollment.   [lrc] Apply Now Debt Settlement Strategies Experienced Debt Settlement Debt Negotiation Regain control of your finances and obtain one low program payment. Our team of debt negotiators has settled millions of dollars of unsecured debt. Years of experience in the consumer credit and debt settlement and debt negotiation industry. Analyze Your Credit How does “Debt Settlement” or “Debt Negotiation” work? Debt Settlement Debt Negotiation works by negotiating the balance owed on your unsecured debt so the amount paid is less than owed. We design an affordable monthly savings plan and your savings are used to obtain a deal from your creditors. Will I continue to get calls and collection letters from creditors? Most likely, yes. Any time you are behind, with or without a program, you will receive calls. However, many creditors are accommodating. Additionally, calls may reduce after the original creditor receives a detailed hardship letter from you. Will debt settlement debt negotiation affect my credit? Debt Settlement or Debt Negotiations effect on your credit score will depend on your current credit status before starting any settlement program. Very few people with debt problems have perfect credit and debt settlement is meant to be a hardship program. About Our Company We are the Debt Rx and are one of the longest operating Debt Settlement and Debt Negotiation firms in America. We are not the largest, because our focus has been more on personal attention and service of existing clients than that of enrolling new ones.

Bad Credit

Bad Credit All Services Bad Credit Bankruptcy Bankruptcy Alternatives Credit Counseling Debt Calculator Debt Consolidation Debt Relief Debt Settlement Debt Settlement Scams Do-It-Yourself Debt Settlement Shopping Debt Settlement Get debt relief today! Call now for a free, no obligation analysis (866) 601-7857 Contact US Frederick, MD 21704 (866) 601-7857 info@debtrx.com Don’t let bad credit define you. Everyone struggling with large amounts of debt has to deal with bad credit. If you’ve experienced, this, then you know that bad credit can significantly affect your life, coming up anytime a credit score is run on you, such as when you are applying for a job or a loan. Despite what you may hear, the only real way to repair credit is to pay off your outstanding balances. The method used for calculating your credit score is described below. What factors affect your credit score? There are five factors used in credit scoring calculations that determine your overall credit score: Previous Credit Performance (Payment History): 35% Creditors want to know what your payment history is like: have you paid everything on time, are you late on anything now, and so on. Although this is only one part of what is used to determine your credit score, it is very important and carries more weight than any other individual section. A good payment history will have an excellent effect on your credit score. Current Level of Indebtedness (Amount Owed): 30% Creditors have to consider how much debt is too much, and whether or not the borrower can pay a new creditor and still afford to pay his other bills. Having available credit can actually help your ratio of debt to available credit. Amount of Time Credit Has Been in Use (Length of Credit): 15% In general, the longer your credit history the better your credit score. However, this is only 15% of the total score, so even those with a short credit history can still have good credit scores if they do well in the other areas. Pursuit of New Credit: 10% Each time someone runs a credit check on you, it creates an inquiry. If these build up they begin to lower your credit score. Credit is becoming increasingly popular and available through online and mail services. Be careful about pursuing too many kinds of new credit. Types of Credit Experience: 10% Because this score is only 10% of the total, it is not generally a key factor in determining your credit score. However, it is not a good idea to open different types of accounts just to try and make this factor better as doing so will likely reduce your scores in other areas.   Debt Settlement Strategies Experienced Debt Settlement Debt Negotiation Regain control of your finances and obtain one low program payment. Our team of debt negotiators has settled millions of dollars of unsecured debt. Years of experience in the consumer credit and debt settlement and debt negotiation industry. Analyze Your Credit How does “Debt Settlement” or “Debt Negotiation” work? Debt Settlement Debt Negotiation works by negotiating the balance owed on your unsecured debt so the amount paid is less than owed. We design an affordable monthly savings plan and your savings are used to obtain a deal from your creditors. Will I continue to get calls and collection letters from creditors? Most likely, yes. Any time you are behind, with or without a program, you will receive calls. However, many creditors are accommodating. Additionally, calls may reduce after the original creditor receives a detailed hardship letter from you. Will debt settlement debt negotiation affect my credit? Debt Settlement or Debt Negotiations effect on your credit score will depend on your current credit status before starting any settlement program. Very few people with debt problems have perfect credit and debt settlement is meant to be a hardship program. About Our Company We are the Debt Rx and are one of the longest operating Debt Settlement and Debt Negotiation firms in America. We are not the largest, because our focus has been more on personal attention and service of existing clients than that of enrolling new ones.

Shopping Debt Settlement

Shopping Debt Settlement All Services Bad Credit Bankruptcy Bankruptcy Alternatives Credit Counseling Debt Calculator Debt Consolidation Debt Relief Debt Settlement Debt Settlement Scams Do-It-Yourself Debt Settlement Shopping Debt Settlement Get debt relief today! Call now for a free, no obligation analysis (866) 601-7857 Contact US Frederick, MD 21704 (866) 601-7857 info@debtrx.com Debt Settlement is a viable option to help you eliminate your debt. Debt Settlement is a viable option to help you eliminate your debt. However, if you choose an inexperienced company, you may find yourself in worse shape than you already are. We are confident that after your due diligence is done, DebtRx will be the clear choice as your debt settlement company. Print out and Use these questions when researching: 1. How long have you been in business? Young companies have very little experience. If they can’t provide proof of their experience, RED FLAG. Don’t take their word for it, either. Check on them by finding out when their website was registered and the BBB. Use our Options Learning Center Debt Settlement Scams to learn more. DebtRx has been open for over 20 years! Our track record is proven. 2. Who does the Customer Service and Settlements? Some companies outsource this to another company. They use a third-party Servicing Center that perhaps used to do other types of work, such as mortgages, and have converted over to Settlement and therefore make the claim they have been in business for a long time. What they don’t tell you is that they used to do something else for most of that time. If they don’t do the work themselves, RED FLAG. DebtRx does its own Customer Service and Negotiations. 3. What are your fees? A company should disclose their fees without claiming you must qualify before they tell you. Fees should also only be paid at the time a debt is settled. If they wont tell you, or any fee is collected upfront, RED FLAG. 4. Do you offer more than just Debt Settlement? Most companies only offer one service, and therefore they may be biased. If they only offer Debt Settlement, RED FLAG. DebtRx offers all available debt relief services aside from Bankruptcy. This includes Debt Settlement, Credit Counseling (Interest Rate Reduction), Loans, and custom repayment plans. 5. Are you being paid a commission? Salespeople may stretch the truth or leave out vital information if they are paid commission. If they say Yes, RED FLAG. DebtRx representatives are paid salary and are very upfront with the offered programs. 6. Will you make monthly payments to my creditors? Settlement programs do not make monthly payments. If they give you the impression they will, RED FLAG. Creditors are paid once you have lump sum money available and a mutually agreeable settlement offer. Credit Counseling (Interest Rate Reduction) will make monthly payments to your creditors.  7. Can you stop creditors from calling me? It is not possible to stop ALL creditor calls. If they say they can, RED FLAG. DebtRx will take steps to reduce or stop creditor calls. 8. Can I be sued? If you dont pay your bills on time and in full, you run the risk of suit. If they say otherwise, RED FLAG. DebtRx can still settle and will continue to negotiate a settlement even if a lawsuit is filed. Call DebtRx – for credit card debt relief services.  1-866-601-7857 for a free analysis.     Debt Settlement Strategies Experienced Debt Settlement Debt Negotiation Regain control of your finances and obtain one low program payment. Our team of debt negotiators has settled millions of dollars of unsecured debt. Years of experience in the consumer credit and debt settlement and debt negotiation industry. Analyze Your Credit How does “Debt Settlement” or “Debt Negotiation” work? Debt Settlement Debt Negotiation works by negotiating the balance owed on your unsecured debt so the amount paid is less than owed. We design an affordable monthly savings plan and your savings are used to obtain a deal from your creditors. Will I continue to get calls and collection letters from creditors? Most likely, yes. Any time you are behind, with or without a program, you will receive calls. However, many creditors are accommodating. Additionally, calls may reduce after the original creditor receives a detailed hardship letter from you. Will debt settlement debt negotiation affect my credit? Debt Settlement or Debt Negotiations effect on your credit score will depend on your current credit status before starting any settlement program. Very few people with debt problems have perfect credit and debt settlement is meant to be a hardship program. About Our Company We are the Debt Rx and are one of the longest operating Debt Settlement and Debt Negotiation firms in America. We are not the largest, because our focus has been more on personal attention and service of existing clients than that of enrolling new ones.

Debt Settlement Scams

Debt Settlement Scams All Services Bad Credit Bankruptcy Bankruptcy Alternatives Credit Counseling Debt Calculator Debt Consolidation Debt Relief Debt Settlement Debt Settlement Scams Do-It-Yourself Debt Settlement Shopping Debt Settlement Get debt relief today! Call now for a free, no obligation analysis (866) 601-7857 Contact US Frederick, MD 21704 (866) 601-7857 info@debtrx.com Don’t fall for Debt Settlement Scams We see many new companies and websites open up weekly that appear to offer the same thing and claiming to have been in business for a lot longer than they really are or claim they have credentials they don’t really have. Such as stating they were featured on MSNBC, FOX, CBS etc. but in reality, they only paid to have a commercial played on those stations, they were not “featured”.   This is confusing debtors as to who, and what, is valid or truthful. What we suggest is 3 things.   First, check with a website registrant (a place to buy, sell and register websites), such as www.GoDaddy.com, to see how long the website has been active. Scroll to the bottom of the home page and choose “Who Is search” under Resources. Here you can enter the name of the website you’re checking on to determine if the website is brand new, or has been around for a while. Follow the directions and it will show you who registered the website, and When. Find a company that has been in business at least 5 years and don’t take their word for it.   Second, once you find someone that has been in business for 5 or more years, check their BBB record. How long does it say they have been in business? When was the BBB file opened? Are there unanswered complaints?   Third, Are they member of a trade organization? Though this is not always the best way to determine if the organization is legitimate, because to belong to most trade organizations you just need to pay the fee to belong, but it could show the company is stable enough to afford to pay to belong. Make sure the company has an ACTIVE status.   Fourth, use these questions when searching for a legitimate when searching for a legitimate settlement firm.     Debt Settlement Strategies Experienced Debt Settlement Debt Negotiation Regain control of your finances and obtain one low program payment. Our team of debt negotiators has settled millions of dollars of unsecured debt. Years of experience in the consumer credit and debt settlement and debt negotiation industry. Analyze Your Credit How does “Debt Settlement” or “Debt Negotiation” work? Debt Settlement Debt Negotiation works by negotiating the balance owed on your unsecured debt so the amount paid is less than owed. We design an affordable monthly savings plan and your savings are used to obtain a deal from your creditors. Will I continue to get calls and collection letters from creditors? Most likely, yes. Any time you are behind, with or without a program, you will receive calls. However, many creditors are accommodating. Additionally, calls may reduce after the original creditor receives a detailed hardship letter from you. Will debt settlement debt negotiation affect my credit? Debt Settlement or Debt Negotiations effect on your credit score will depend on your current credit status before starting any settlement program. Very few people with debt problems have perfect credit and debt settlement is meant to be a hardship program. About Our Company We are the Debt Rx and are one of the longest operating Debt Settlement and Debt Negotiation firms in America. We are not the largest, because our focus has been more on personal attention and service of existing clients than that of enrolling new ones.

Do-It-Yourself Debt Settlement

Do-It-Yourself Debt Settlement All Services Bad Credit Bankruptcy Bankruptcy Alternatives Credit Counseling Debt Calculator Debt Consolidation Debt Relief Debt Settlement Debt Settlement Scams Do-It-Yourself Debt Settlement Shopping Debt Settlement Get debt relief today! Call now for a free, no obligation analysis (866) 601-7857 Contact US Frederick, MD 21704 (866) 601-7857 info@debtrx.com You can do it! However, it is time consuming. When you don’t understand the charge off and debt sale process, creditors will inflate the balance and then give you a discount off the inflated balance. Which may not be any real discount at all. Creditors are sneaky. They are known to offer settlements and after a debtor has paid the settlement, the remaining balance is sent to another collection agency many months later.   It is tough to deal with all the collection calls. They are very aggressive and are famous for lying and scaring debtors to the point of just giving up.   When you don’t know the collection laws, it easy to be confused and taken advantage of by creditors. These are all reasons to use a professional. Professionals may also obtain larger discounts because they are settling in bulk.     Debt Settlement Strategies Experienced Debt Settlement Debt Negotiation Regain control of your finances and obtain one low program payment. Our team of debt negotiators has settled millions of dollars of unsecured debt. Years of experience in the consumer credit and debt settlement and debt negotiation industry. Analyze Your Credit How does “Debt Settlement” or “Debt Negotiation” work? Debt Settlement Debt Negotiation works by negotiating the balance owed on your unsecured debt so the amount paid is less than owed. We design an affordable monthly savings plan and your savings are used to obtain a deal from your creditors. Will I continue to get calls and collection letters from creditors? Most likely, yes. Any time you are behind, with or without a program, you will receive calls. However, many creditors are accommodating. Additionally, calls may reduce after the original creditor receives a detailed hardship letter from you. Will debt settlement debt negotiation affect my credit? Debt Settlement or Debt Negotiations effect on your credit score will depend on your current credit status before starting any settlement program. Very few people with debt problems have perfect credit and debt settlement is meant to be a hardship program. About Our Company We are the Debt Rx and are one of the longest operating Debt Settlement and Debt Negotiation firms in America. We are not the largest, because our focus has been more on personal attention and service of existing clients than that of enrolling new ones.

Bankruptcy Alternatives

Bankruptcy Alternatives All Services Bad Credit Bankruptcy Bankruptcy Alternatives Credit Counseling Debt Calculator Debt Consolidation Debt Relief Debt Settlement Debt Settlement Scams Do-It-Yourself Debt Settlement Shopping Debt Settlement Get debt relief today! Call now for a free, no obligation analysis (866) 601-7857 Contact US Frederick, MD 21704 (866) 601-7857 info@debtrx.com Avoid Bankruptcy Bankruptcy should always be a last resort. It has long term effects on your credit rating, your emotions, and may impact your chances of getting a new job, a promotion, a loan, or insurance. There are a number of alternatives that you ought to consider before you decide to file for bankruptcy. Anyone considering bankruptcy should contact a bankruptcy attorney. Maybe you just need to have a lower monthly program payment to help make things more affordable so you can avoid bankruptcy, or maybe you need some help managing creditor calls. If you truly want to avoid bankruptcy and find a bankruptcy alternative, then perhaps you should consider: Debt Settlement – DebtRX offers a debt settlement program. Debt settlement is the most popular, fastest, and most aggressive route to settle debts and is one option to bankruptcy. Credit Counseling – Consumer Credit Counseling (CCC) Programs are a common alternative to bankruptcy. Under a CCC program, your creditors may be willing to reduce interest rates, may stop collection calls, and waive over-limit or late fees. You will still be required to repay the full balance and you will continue to pay interest. But is also an option to avoid filing bankruptcy. Debt Consolidation Loans – It may be possible for you to take out a single, larger loan and use that money to repay some of your smaller debts. This allows you to consolidate your debt so that you and make one smaller payment. The problem with debt consolidation loans is that you need really good credit, they often carry high interest rates, and in order to take out a large loan, you may have to use your home as collateral, which means that if you aren’t able to make the payments you may lose your home. This is also an option to avoid bankruptcy. If you would like to learn more about Bankruptcy and why you might want to avoid bankruptcy, click bankruptcy. * If you would like to avoid bankruptcy and find a bankruptcy alternative, debt settlement is one option to bankruptcy. * For a free confidential consultation, call us toll free at 866-601-7857 * Anyone considering bankruptcy should contact a bankruptcy attorney Debt Settlement Strategies Experienced Debt Settlement Debt Negotiation Regain control of your finances and obtain one low program payment. Our team of debt negotiators has settled millions of dollars of unsecured debt. Years of experience in the consumer credit and debt settlement and debt negotiation industry. Analyze Your Credit How does “Debt Settlement” or “Debt Negotiation” work? Debt Settlement Debt Negotiation works by negotiating the balance owed on your unsecured debt so the amount paid is less than owed. We design an affordable monthly savings plan and your savings are used to obtain a deal from your creditors. Will I continue to get calls and collection letters from creditors? Most likely, yes. Any time you are behind, with or without a program, you will receive calls. However, many creditors are accommodating. Additionally, calls may reduce after the original creditor receives a detailed hardship letter from you. Will debt settlement debt negotiation affect my credit? Debt Settlement or Debt Negotiations effect on your credit score will depend on your current credit status before starting any settlement program. Very few people with debt problems have perfect credit and debt settlement is meant to be a hardship program. About Our Company We are the Debt Rx and are one of the longest operating Debt Settlement and Debt Negotiation firms in America. We are not the largest, because our focus has been more on personal attention and service of existing clients than that of enrolling new ones.

Bankruptcy

Bankruptcy All Services Bad Credit Bankruptcy Bankruptcy Alternatives Credit Counseling Debt Calculator Debt Consolidation Debt Relief Debt Settlement Debt Settlement Scams Do-It-Yourself Debt Settlement Shopping Debt Settlement Get debt relief today! Call now for a free, no obligation analysis (866) 601-7857 Contact US Frederick, MD 21704 (866) 601-7857 info@debtrx.com Avoiding Bankruptcy Did you know that you have to report that you filed Bankruptcy forever, on things like applying for certain jobs or on insurance forms? And the creditors you file against never forget! It also stays on your credit report for 10 years from date of discharge. In our experience we have seen 2 main types of Bankruptcy: Chapter 7 and Chapter 13. Chapter 7 wipes out your debt, 13 is a discounted repayment plan. If you have committed to go ahead with Bankruptcy, a chapter 7 may be best. However, sometimes you cant qualify for a 7 if you own a home or make too much money and you may be forced into a 13. We have been asked, why would someone want a 13 and all the negative effects of a Bankruptcy when you could use a Settlement program? *It is best to speak with an attorney regarding your bankruptcy options and how it may apply to your situation. Bankruptcy is a legally declared inability or impairment of ability of an individual to pay the creditors. It helps individuals repay their debts under the protection of the bankruptcy court or wipe out their debts altogether. People who follow the bankruptcy rules receive a discharge — a court order saying they don’t have to repay certain debts. Recent laws have made it substantially harder to take bankruptcy as a way out. The new requirements make it more difficult to erase debts by filing for bankruptcy. Personal bankruptcy is generally considered the debt management option of last resort. Filing for a bankruptcy has serious consequences and should not be entered into lightly as its effects are long-lasting and far-reaching. A bankruptcy stays on your credit report for 10 years, and can make it difficult to apply for future credit, buy a home, get life insurance, purchase a vehicle, etc. Additionally, most people don’t realize that it will stay on your court records for 20 years. For the rest of your life, any time you apply for a job, loan, or various types of insurance, your bankruptcy may have a negative effect on your eligibility. Although bankruptcy may offer a fresh start for individuals who have no other options, it should only be used after a careful consideration of your options. Many people choose to avoid bankruptcy.  *Nothing on this page or website should be considered legal advice. Please consult a Bankruptcy Attorney for complete details. Avoid BankruptcyMany people think of bankruptcy as the easy way out of debt, but there are severe consequences for filing bankruptcy. If you are considering declaring bankruptcy, remember that your credit history will be negatively impacted for the next 7 to 10 years, which can make it difficult to apply for new credit, get a job, or obtain some types of insurance. In some cases, filing for bankruptcy will not allow you to eliminate all your debts—but you’re still left with the financial consequences. You end up dealing with all of the negative aspects of bankruptcy without benefiting from any of the positives. Many people really want to avoid bankruptcy. Bankruptcy Negatives Above Average Wage – If you earn more than the average wage, you may be required to file for Chapter 13 Bankruptcy, which will require you to hand over all of your disposable income. You will only be allowed to keep enough money to pay for necessities as based on national and county statistics. So if you have a nicer than average car or home, you may be required by the courts to sell your house or car in order to free up money to repay creditors.   Strict Repayment Schedules – Courts also tend to be very strict on their repayment schedules. If you miss payments the court can force you to repay all of the debt. There are many reasons why a program may not be completed, but regardless of whether you complete the program, the bankruptcy remains on your credit report for 10 years.   Loss of Assets – The court may force you to sell some of your assets in order to make larger repayments against your outstanding debts. This means that you might be forced to sell your home or car in order to pay off debts if you declare bankruptcy. Fraudulency – If a creditor can prove to the courts that you had no intention of meeting your agreed upon payments you face yet another problem in bankruptcy. If a lender can show that your case was fraudulent, you will have to repay the entire debt and still end up with a bankruptcy on your account. If you are an above average wage earner, own property or a car, or it can be proven that you have fraudulently missed payments bankruptcy may not provide you with the fresh start you are looking for. If you are truly serious about paying your debts as quickly and efficiently as possible, you may want to consider a debt settlement program. DebtRX provides a debt settlement service that will negotiate with your creditors to settle your debt. Debt Settlement Strategies Experienced Debt Settlement Debt Negotiation Regain control of your finances and obtain one low program payment. Our team of debt negotiators has settled millions of dollars of unsecured debt. Years of experience in the consumer credit and debt settlement and debt negotiation industry. Analyze Your Credit How does “Debt Settlement” or “Debt Negotiation” work? Debt Settlement Debt Negotiation works by negotiating the balance owed on your unsecured debt so the amount paid is less than owed. We design an affordable monthly savings plan and your savings are used to obtain a deal from your creditors. Will I continue to get calls

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We are Debt Rx and are one of the longest operating Debt Settlement and Debt Negotiation firms in America. We operate across most of the 50 states.

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* Clients that are able to stay with our services and make the monthly program payments generally experience a 50% reduction of their enrolled balance before fees, or approximately a 29% reduction after payment of fees over a 24-48 month period. Individual results may vary based on ability to save sufficient funds and complete the program, the creditors in your individual portfolio, and amount of debt enrolled. Statements made are examples of past performance and are not intended to be a guarantee that your debt balances will be lowered by a specific amount or percentage, that you will be debt free within a specific time period, or a guarantee of future settlement results. We guarantee we will not receive any fees until the terms of your debt have been altered with one or more of your creditors. While our programs work aggressively to reduce your debt balances, creditors are under no contractual obligation to negotiate or accept settlement offers. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice and we do not provide credit repair services. Please contact a tax professional to discuss tax consequences of debt settlement. By providing your contact information, you agree to receive return telephone calls, emails or other communications from us and/or our affiliates and expressly waive any Do Not Call preference or registration. Photographs used are not actual clients. We are not affiliated with MSNBC, Fox, or CBS and logos used are registered trademarks of their respective owners. Legal requirement: Licensed by the Virginia State Corporation Commission, license number DSP-14. Registered in California with the DFPI under the CCFPL, registration number 3468089. Programs not available in all states. Read and understand all program materials prior to your enrollment.