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Credit card debt can be especially tricky to overcome. The perks of cash back rewards, credit card miles and one-time bonuses quickly diminish when you’re facing high interest rates and struggling to make minimum monthly payments. You may have even experienced the pain that comes with having to choose between covering the essentials and paying a credit card bill on time.
Fortunately, there are a few debt relief strategies you can use to overcome your credit card debt. One of the most effective approaches in particular is debt settlement, which involves working with a team of specialists who reach new terms and agreements with your creditors on your behalf. This often results in lower monthly payments and a reduction of your overall debt. Debt settlement can also reduce the time it would take for you to overcome your debt than if you were to handle it all on your own.
You're paying too much interest or are stuck making only minimum payments
One or more of your credit cards are maxed out or your credit utilization is over 40%
You miss payments or you can’t afford both your monthly payments and basic needs
Your debt is worsening your quality of life, physically or mentally
After her husband's accident and periods of time without work, Amy found herself in a serious debt. Accredited Debt Relief helped her overcome more than $52,000 in credit card and medical debt.
You can reorganize your debt by consolidating your outstanding credit card balances into one debt obligation. This can be accomplished in a few ways:
Consolidating your credit card debt can help you focus on one monthly payment rather than juggling multiple accounts and due dates. Depending on the consolidation method you choose, you may also be able to secure lower interest rates or reduce your overall debt. Debt relief companies, for example, negotiate new terms and agreements with your creditors, allowing you to pay off your debt for less than what you originally owed.
Accredited Debt Relief has helped customers across the country consolidate and resolve their debts. With an A+ BBB rating, we offer customized financial solutions that can help you pay off your debt obligations quicker. Our experienced team can help lower your monthly payments and reduce what you owe overall. To learn more and receive a free, no obligation consultation, contact us today.
Enrolled Debt: $43,922
Final Debt: $21,403
Enrolled Debt: $21,974
Final Debt: $12,797
Enrolled Debt: $24,954
Final Debt: $10,634
* These examples do not include program fees. This is small sample of debt settlements our negotiation team has achieved for our clients. These settlements were obtained for clients who successfully met all of their program terms and received settlement offers. Results may vary, and there are no guarantees that all creditors will agree to settle. These examples are not representative of results in all cases.
If you are considering debt consolidation for your credit cards, make sure you avoid these mistakes.Click Here
Considering all the pros and cons of a credit card balance transfer will help you make an informed decision about this option.Click Here
The important thing is to understand the consequences and find out what you can do to get the debt under control.Click Here