Financial Stress Relief
Are you experiencing any of the following:
- Harassing phone calls from creditors and collectors
- Unpaid bills stacking up
- Embarrassment over unmet obligation
- Indecision over the best course of action
- Considering Bankruptcy
Add all this to the stress that caused the financial imbalance in the first place, such as:
- Illness
- Loss of income
- Unexpected rise in mortgage payments
- Decrease in business
- Pay Cuts
- Lay Offs
- Unavoidable home repairs
Excessive debt can strain an otherwise stable relationship. It can cause interpersonal conflicts, disagreements that lead to lack of communication between individuals that become 'irreconcilable differences' about how to manage the family finances possibly caused by lifestyle differences, and a host of other problems.
Financial hardship is one of the key reasons for divorce in America. We feel keeping a family together is more important that keeping creditors happy. Call us for financial stress relief.
Financial hardship can affect how children view their parents, how parents view themselves in the eyes of their children. Parents who want to be able to provide the music lessons, the math tutoring, etc but are paying their credit card bills instead, sometimes at interest rates which used to be illegal, such as 20% or more, to creditors.
Debt Settlement allows you to pay a lower amount monthly which eases the stress and allows family members the opportunity to resolve their differences. Click HERE to find out how debt negotiation and settlement is a viable alternative to bankruptcy. Better still, call us now 888-364-3815.
Credit Card Debt Management
Using credit cards is not bad, but getting in over one's head is. When that happens it is vital to take appropriate steps to remedy the situation. Choosing a plan of action that encompasses all aspects of your finances, from managing the budget, increasing one's income, curtailing expenses and finally eliminating debts goes a long way to putting order in a confused area of life. In America today the average citizen owes $30,000 to credit card companies. Paying cash is much cheaper. Your wealth is going in someone else's pocket. Say you could put aside $150 a month at 5% interest for 20 years, you will have saved $60,000. Use your credit cards wisely, pay off the balances owed in full quickly, pay low or no interest. That is what credit card debt management is all about.
Excessive debt causes financial hardship. Better than 50% of this debt can be eliminated in 2 to 4 years. The stress of credit card debt management can be relieved. Click HERE to find out how debt negotiation and settlement is a viable alternative to bankruptcy.
Alternative to Bankruptcy
US Debt Rescue can give you an alternative to Bankruptcy. If you are buried in a mountain of debt and are looking for an alternative to Bankruptcy we can help.
Chapter 7 Bankruptcy is total bankruptcy; you may get to keep your car, but if your home has equity, it goes too. Chapter 7 stays on your credit report for 10 years, during which time you'll pay the highest possible interest on all your purchases. It never goes away.
Chapter 13 Bankruptcy is more like a payment plan. It stays on your credit report for 7 years. It is generally a 5 year program and approximately 80% of people who file Chapter 13 Bankruptcy fall out of it before it is discharged or completed. The debts originally included in the bankruptcy are therefore still fully owed, the derogatory remark is on your credit report to stay, and again you pay more for everything you purchase on credit for the next 7 years.
Bankruptcy is there for life. Loan applications and many job applications ask if you have ever filed for bankruptcy. Ever is a long time. Ever covers your whole life. You may think you don't need to mention it on a mortgage application but technically if you do, you have committed criminal fraud, and it is easily discovered.
What’s good about bankruptcy? You get to start over. Or so you’re told.
And you are financially branded as having failed to efficiently manage your money. It doesn't go away and you pay more for the important items, such as a car or home, than you would otherwise. Recently revised bankruptcy laws make it nearly impossible to avoid paying credit card debts. The court takes every penny you make aside from a small allowance, the court appointed trustee gets paid a share of the debt and you pay the creditors off, bit by bit. It is no way to live.
Debt settlement allows you to lower your monthly outlay, and saves you an average of 55%. The derogatory remarks on the credit report go away within a year since your debt to income ratio is excellent. Credit repair can be used to fix any mistakes on your report, and you'll be good as gold in less than 12 months. Click HERE to find out how debt negotiation and settlement is a viable alternative to bankruptcy. Better still, call us now 888-364-3815.