The San Diego Debt Relief Guide will help you understand whether debt relief though Debt Settlement is right for by helping you ask the important questions before choosing a debt settlement company in San Diego.

So what is Debt Relief?

Debt Relief (also known as debt settlement, debt negotiation, debt reduction and debt elimination) is a viable option for consumers who are overburdened with high interest credit card, and other unsecured debts, and are looking for a professional, proven method to:

Reduce monthly payments immediately!(Average reduction is half the current minimum payments on outstanding balances)

Completely eliminate balances owed within a fraction of current time frame! (Average consumer debt is $30,000. Due to the current economy, hundreds of thousands of families are choosing to make the minimum payment only. That decision allows the debt to grow to $112,000 and will take over 59 years to pay off)

By choosing debt relief through debt settlement, the average payoff time to debt freedom is 24-48 months.

What Qualifies me as a Candidate for Debt Relief through Debt Settlement?

First and foremost you must have an existing hardship for debt relief.

Dissatisfaction with high interest rates alone will not qualifying you as a candidate. However, there are many valid reasons that may qualify as a hardship for debt relief in a debt settlement program, such as

1. Reduction in income

2.Increase in expenses

3.Divorce

4.Unemployment

5.Poor money management

6.Gambling

7.Over spending.

In these challenging economic times, many people are experiencing hardships. Debt settlement may be the answer to the debt relief you are looking for.

How to Pick a Reputable Debt Relief Company?

If debt relief is what you need, make sure you are working with the right company by asking a few simple questions.

1.Is the company registered with the Better Business Bureau?

2.Are they a member of the International Association of Professional Debt Arbitrators?

3.Is the company audited annually by a standards and management firm such as BSI?

When Should I Start?

To get the debt relief you need, you will need to consult with a debt settlement consultant.

Your debt settlement consultant can give you an estimate of what your lowered monthly payment would be on your first phone call when providing your total debt owed on all your unsecured debt.

One free, yet very important phone call can help you on your way to getting the debt relief you need and be on your way to becoming debt free.

Its your financial future!