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Debt relief is possible.

Today it’s quite common for families – and individuals – to carry $20,000, $30,000, even $50,000 or more of credit card or other unsecured debt. Most of us are optimistic by nature, and since it’s normal to experience financial ups and downs in life, many people just ignore the problem and hope things get better down the road.

Unlike debt consolidation or credit counseling where you pay back the full balance on your debts, debt negotiation requires that you pay back only a portion of the balance. This can make a huge difference in how quickly you pay off your balance.

Debt Settlement Reduces Your Balance – Not Just Your Interest Rate

Debt settlement is really nothing more than good old-fashioned haggling. Through the process of negotiation, debt owners or their debt settlement company arrange to pay back a portion of the debt. The creditor forgives the balance in a transaction called a “settlement.”

It was very hard to call. I had never needed help in my life..When I did they were kind and helped me…I’m glad I went through it.

- Irene,Divorced Engineer
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