Save time, effort, and money by enrolling in a debt settlement program to eliminate your credit card debt. There are agencies that can offer you a much needed help on dealing with financial stress. Negotiating with creditors through trained professionals can really save you money-sometimes saving you 80 cents on the dollar!.

The debt counselors will need some information with regards to your finances. They will call your creditors to make a settlement offer regarding your credit cards. It is important to have everything they need. This includes a copy of your most recent bill and letters from creditors offering a settlement. You should also know in advance the specific amount that you are able to pay should a settlement be reached, either a lump sum or a monthly payment amount.

If your credit card account is seriously past due, such as 4 to 6 months in arrears, don't expect the collection department to be quite cordial. These collectors are trained to obtain your personal information, such as home or cell phone number, employment and home address just so they can bug you for a payment.

Some debt collectors are willing to offer a settlement. And there are others who will refuse any settlement agreement. The debt counselor will make it clear to your creditors that you are not willing to make a payment and interested in a settlement.

There will be times that you will be the one talking with a collector. Some of these collectors aren’t easy to speak with, that is why debt settlement agencies are available for assistance. if you want to speak with your creditors, there are three helpful tips available to you.

First, terminate the call if the collector is somewhat irate, but do so as politely as possible. Using profane language will definitely not help and will only makes things worse. Remember, most calls are actually monitored and recorded.

Secondly, ask to speak the person in charge, such as the supervisor or the department manager. These individuals may want to offer a reasonable payment arrangement or a settlement offer.

Finally, if you are not confident enough to place a call to your creditors, write a letter addressed to the department manager outlining your plan to pay off or settle the account. Be very specific with regards to the amount you will be paying and the dates on when you will be making the payments.

The primary goal of debt settlement for credit cards is to substantially reduce the balance of your debt. Yes, debt settlement will negatively affect your credit. However, a quality credit repair program should handle this issue.

Debt Free Solutions is a debt consulting company located in Long Beach, CA. We have been in business for 10 years. We assist Americans across the U.S. to eliminate excessive credit card and other unsecured debt.

We utilize various programs and strategies to aid them in dissolving their debt in the quickest, safest, and most efficient method possible. We also analyze the risk factor. We structure our programs to drastically minimize the risk that is inevitable with all debt elimination programs.

We offer our clients much more than a debt settlement company does. The vast majority of debt negotiation companies simply settle your debts on your behalf with your creditors- nothing more.

On the other hand, we provide free services to significantly help to minimize the risks that are involved in negotiating with your creditors.

First, we offer a free, no-risk 10 day trial service. During our free trial, we negotiate with your creditors on your behalf to lower your interest rates. Also, we research to see if you have any old debts that you are not legally liable to repay. If, for any reason, you are not completely satisfied, you simply walk away. No commitments. No contracts.

Next, we provide a comprehensive credit repair service to all our clients. This is a $795 service that is absolutely free!

Also, we offer free attorney consultation (a maximum of five sessions) in case one or more of your creditors makes any threats.

Last, we provide a written guarantee that our clients’ creditors will settle for an average of 50% or more for all of the debts they attempt to negotiate.

Our services are competitively priced- and include the above free services!

www.debtfreesolutions.mobi

(800) 668-8090