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Debt Consolidation Services
Can Help You Get a Handle on Your Finances
Being in debt has to be one of the most stressful situations around.
Unfortunately, if you are stuck with a boat load of debt,
you are not alone. These days more and more consumers are carrying more and
more debt, and unfortunately many are finding
themselves unable to pay back what they owe.
American Debt Foundation,
Inc.
Debt settlement is a form of debt relief that can assist you in overcoming
the burden of overwhelming debt in less time and for less money than other
debt relief options.
On average, consumers who complete the American Debt Foundation's debt
settlement program do so in 3 to 5 years and generally pay less than half of
the balance owed.* That amount typically includes any interest charges, late
fees, and the debt settlement company's fees.
American Debt Foundation's debt settlement program is an alternative to
bankruptcy, which exists to assist consumers with significant debt due to
personal or medical hardships.
Too often, consumers join consumer credit counseling services in an attempt
to repay their debt, but soon find that it may have not been their best debt
relief option. Some estimates show over 75% of people who turn to consumer
credit counseling services either quit or are dropped from the program. As a
result, many clients end up filing for bankruptcy. Debt settlement is an
alternative solution for people who legitimately cannot afford to repay
their debts and are looking for an honest way out of a debt-burdened life.
Debt settlement serves an important role in the debt relief industry
because it is not like consumer credit counseling, debt consolidation and
other debt relief options that coach you through repaying your entire debt,
even if you cannot afford to do so. Instead, debt settlement involves
negotiating with your creditors to settle your debt for a reduced amount.
This is why debt settlement is a growing debt relief solution.
Many credit card companies have debt negotiation and settlement departments
for the specific purpose of negotiating with debt settlement companies like
American Debt Foundation. While they prefer that you repay the entire amount
you owe, creditors understand that lending credit is a risk, and sometimes
consumers experience legitimate financial hardships that prevent them from
repaying the full debt.
It is important to us that you understand the debt settlement process or
any other debt relief option you choose before committing to a program. The
following pages explain how and why the debt settlement process works. Keep
in mind that not all debt settlement companies are alike and others may not
have the same process and steps described here.
What is debt settlement?
Debt settlement is when you repay your creditors less than you owe to
satisfy your debt. People with overwhelming debt can enroll with a debt
settlement company who will negotiate with their creditors to settle their
debts for a fraction of what they owe.
In a debt settlement program, you deposit money into a savings account each
month, instead of paying your creditors. Once enough money builds up, the
company negotiates with your creditors to accept a lump sum payment. If the
creditor accepts, this agreement settles the account. Your debt is
considered paid and you can begin saving for the next settlement offer.
What settlement results do your clients typically see?
On average, we settle our clients' debts for about 30-50% of the entire
amount owed.
How long will it take me to get out of debt?
Our program graduates are typically out of debt in 12 to 36 months.
Can American Debt Foundation help with harassing collection calls?
No company can completely stop debt collector calls. However, we ask your
creditors to contact us directly about your accounts. We also offer specific
advice for dealing with unwanted collector calls that come to your home.
Does American Debt Foundation offer any guarantees?
American Debt Foundation is one of the few companies in this industry to
offer a 30 day money back guarantee.
How much is American Debt Foundation's debt settlement program going to
cost me?
Our professional debt consultants will work with you to create a customized
payment plan according to your financial situation. Our fees are a
percentage of the total amount you owe.
Why would my creditors accept less than the full amount I owe?
Your creditors prefer to collect the full amount you owe; however, they
know that if you file bankruptcy, they may receive no payment at all.
Creditors are usually open to debt settlement once they recognize that you
are facing significant financial hardships and are trying to avoid
bankruptcy. Your creditors would rather accept a lump sum payment of 50% of
your debt than risk getting nothing at all.
Can I be sued by my creditors while enrolled in your program?
We do everything in our power to negotiate a mutually agreeable settlement,
but there is the possibility a creditor can take legal action to get you to
pay. This usually happens when creditors think they can recover the full
amount you owe through the courts. We are not a law firm and we recommend
you speak with a licensed attorney in your state for more information.
How will debt settlement affect
my
credit?
Debt settlement can have a negative impact on your credit.
However, debt settlement can also get you out of debt faster than many
other debt relief options so you can begin rebuilding your credit sooner. If
you are already behind on payments, or you might be shortly, your credit is
already impaired - you have too much debt compared to your income. This is
known as a high debt-to-income ratio. To be considered credit-worthy again,
you must drastically reduce or eliminate your debt, thereby reducing your
debt-to-income ratio.
Remember, you can always rebuild your credit and it's much easier to
rebuild your credit without the burden of overwhelming debt or a bankruptcy
mark on your
credit
report.
Once I've enrolled in American Debt Foundation's debt settlement program,
who maintains control of my finances?
You maintain control of your finances. Instead of paying us or your
creditors, you deposit money into a third-party savings account every month.
When enough money accrues and your creditors are ready to settle, the money
from that account goes toward your settlement. Because you ultimately
maintain control of your finances, your commitment is essential to the
success of your program.
What if I need to cancel the program?
You can cancel the program and withdrawal the money in your set-aside
account at any time. We do not have a long term commitment, so you are under
no contractual obligation to stay if you decide the program is not right for
you. You will not be charged any penalty fees, closing fees or any other
hidden charges.
Does everyone qualify for American Debt Foundation's debt settlement
program?
Not everyone qualifies for debt settlement. Debt settlement is an
alternative to bankruptcy for people with overwhelming debt who have endured
personal or financial hardships that prevent them from repaying their
creditors.
What types of debt does American Debt Foundation settle?
There are generally two types of debt: unsecured and secured. Secured debt
is backed by collateral such as a house or a car. American Debt Foundation
cannot settle secured debts because creditors can simply repossess the
assets if you fall behind in payments. Unsecured debt is not backed, or
secured, by collateral and therefore it can be negotiated. Unsecured debts
include credit card debt, medical bills, repossessions, etc.
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American Debt Foundation
http://www.americandebtfoundation.com
Debt Consolidation
Call Us Today For A Free
Debt Consolidation Quote!
1(866)411-3328- 1(866)411-DEBT
Debt Consolidation
Program
The reasons for this situation are not hard to determine. Prices have been
rising while real wages have been falling. When
everything is going up except your paycheck, it is all to easy to fall
behind. When consumers find themselves stuck in debt
and unable to pay the bills they owe, that is where Debt Consolidation
services can be a big help.
Debt Consolidation services have been established to help consumers
negotiate with their creditors and pay what they owe. A good
Debt Consolidation service can be a godsend to the consumer who finds him or
herself unable to pay the monthly minimums on the
credit cards, or even unable to pay the rent, mortgage or car loan on time.
Debt Consolidation services are able to use their knowledge and experience
to work with creditors on the behalf of their clients.
The knowledge, expertise and industry contacts these firms have established
allow them to effectively work out repayment
programs that the consumer likely could not get on his or her own. A good
repayment plan – one that both the creditors and
the client can work with – is at the heart of a good Debt Consolidation
program.
The services of a Debt Consolidation service do not end once all the
client’s bills are paid off, however. What makes debt
management services so helpful is not just their skill at negotiating
repayment plans, but their extensive knowledge on
budgeting money and managing debt.
The beauty of the staff at a good Debt Consolidation service is that they
have seen all kinds of consumers and all kinds of debt
situations. They have worked with the lowest income earners and the highest
income earners. They know the reasons people get
into debt, and more importantly, how to keep them from getting back into
debt.
The Debt Consolidation service will work with their clients on budgeting
their money to make sure they do not accumulate more
debt one the current debts are retired. Managing credit wisely is a vital
financial skill, and a good Debt Consolidation
service can help their clients learn how to use their credit wisely.
American Debt Foundation
http://www.americandebtfoundation.com
American Debt Foundation,
Inc.
Debt settlement is a form of debt relief that can assist you in overcoming
the burden of overwhelming debt in less time and for less money than other
debt relief options.
On average, consumers who complete the American Debt Foundation's debt
settlement program do so in 3 to 5 years and generally pay less than half of
the balance owed.* That amount typically includes any interest charges, late
fees, and the debt settlement company's fees.
American Debt Foundation's debt settlement program is an alternative to
bankruptcy, which exists to assist consumers with significant debt due to
personal or medical hardships.
Too often, consumers join consumer credit counseling services in an attempt
to repay their debt, but soon find that it may have not been their best debt
relief option. Some estimates show over 75% of people who turn to consumer
credit counseling services either quit or are dropped from the program. As a
result, many clients end up filing for bankruptcy. Debt settlement is an
alternative solution for people who legitimately cannot afford to repay
their debts and are looking for an honest way out of a debt-burdened life.
Debt settlement serves an important role in the debt relief industry
because it is not like consumer credit counseling, debt consolidation and
other debt relief options that coach you through repaying your entire debt,
even if you cannot afford to do so. Instead, debt settlement involves
negotiating with your creditors to settle your debt for a reduced amount.
This is why debt settlement is a growing debt relief solution.
Many credit card companies have debt negotiation and settlement departments
for the specific purpose of negotiating with debt settlement companies like
American Debt Foundation. While they prefer that you repay the entire amount
you owe, creditors understand that lending credit is a risk, and sometimes
consumers experience legitimate financial hardships that prevent them from
repaying the full debt.
It is important to us that you understand the debt settlement process or
any other debt relief option you choose before committing to a program. The
following pages explain how and why the debt settlement process works. Keep
in mind that not all debt settlement companies are alike and others may not
have the same process and steps described here.
What is debt settlement?
Debt settlement is when you repay your creditors less than you owe to
satisfy your debt. People with overwhelming debt can enroll with a debt
settlement company who will negotiate with their creditors to settle their
debts for a fraction of what they owe.
In a debt settlement program, you deposit money into a savings account each
month, instead of paying your creditors. Once enough money builds up, the
company negotiates with your creditors to accept a lump sum payment. If the
creditor accepts, this agreement settles the account. Your debt is
considered paid and you can begin saving for the next settlement offer.
What settlement results do your clients typically see?
On average, we settle our clients' debts for about 30-50% of the entire
amount owed.
How long will it take me to get out of debt?
Our program graduates are typically out of debt in 12 to 36 months.
Can American Debt Foundation help with harassing collection calls?
No company can completely stop debt collector calls. However, we ask your
creditors to contact us directly about your accounts. We also offer specific
advice for dealing with unwanted collector calls that come to your home.
Does American Debt Foundation offer any guarantees?
American Debt Foundation is one of the few companies in this industry to
offer a 30 day money back guarantee.
How much is American Debt Foundation's debt settlement program going to
cost me?
Our professional debt consultants will work with you to create a customized
payment plan according to your financial situation. Our fees are a
percentage of the total amount you owe.
Why would my creditors accept less than the full amount I owe?
Your creditors prefer to collect the full amount you owe; however, they
know that if you file bankruptcy, they may receive no payment at all.
Creditors are usually open to debt settlement once they recognize that you
are facing significant financial hardships and are trying to avoid
bankruptcy. Your creditors would rather accept a lump sum payment of 50% of
your debt than risk getting nothing at all.
Can I be sued by my creditors while enrolled in your program?
We do everything in our power to negotiate a mutually agreeable settlement,
but there is the possibility a creditor can take legal action to get you to
pay. This usually happens when creditors think they can recover the full
amount you owe through the courts. We are not a law firm and we recommend
you speak with a licensed attorney in your state for more information.
How will debt settlement affect
my
credit?
Debt settlement can have a negative impact on your credit.
However, debt settlement can also get you out of debt faster than many
other debt relief options so you can begin rebuilding your credit sooner. If
you are already behind on payments, or you might be shortly, your credit is
already impaired - you have too much debt compared to your income. This is
known as a high debt-to-income ratio. To be considered credit-worthy again,
you must drastically reduce or eliminate your debt, thereby reducing your
debt-to-income ratio.
Remember, you can always rebuild your credit and it's much easier to
rebuild your credit without the burden of overwhelming debt or a bankruptcy
mark on your
credit
report.
Once I've enrolled in American Debt Foundation's debt settlement program,
who maintains control of my finances?
You maintain control of your finances. Instead of paying us or your
creditors, you deposit money into a third-party savings account every month.
When enough money accrues and your creditors are ready to settle, the money
from that account goes toward your settlement. Because you ultimately
maintain control of your finances, your commitment is essential to the
success of your program.
What if I need to cancel the program?
You can cancel the program and withdrawal the money in your set-aside
account at any time. We do not have a long term commitment, so you are under
no contractual obligation to stay if you decide the program is not right for
you. You will not be charged any penalty fees, closing fees or any other
hidden charges.
Does everyone qualify for American Debt Foundation's debt settlement
program?
Not everyone qualifies for debt settlement. Debt settlement is an
alternative to bankruptcy for people with overwhelming debt who have endured
personal or financial hardships that prevent them from repaying their
creditors.
What types of debt does American Debt Foundation settle?
There are generally two types of debt: unsecured and secured. Secured debt
is backed by collateral such as a house or a car. American Debt Foundation
cannot settle secured debts because creditors can simply repossess the
assets if you fall behind in payments. Unsecured debt is not backed, or
secured, by collateral and therefore it can be negotiated. Unsecured debts
include credit card debt, medical bills, repossessions, etc.
American Debt Foundation,
Inc.
Debt settlement is a form of debt relief that can assist you in overcoming
the burden of overwhelming debt in less time and for less money than other
debt relief options.
On average, consumers who complete the American Debt Foundation's debt
settlement program do so in 3 to 5 years and generally pay less than half of
the balance owed.* That amount typically includes any interest charges, late
fees, and the debt settlement company's fees.
American Debt Foundation's debt settlement program is an alternative to
bankruptcy, which exists to assist consumers with significant debt due to
personal or medical hardships.
Too often, consumers join consumer credit counseling services in an attempt
to repay their debt, but soon find that it may have not been their best debt
relief option. Some estimates show over 75% of people who turn to consumer
credit counseling services either quit or are dropped from the program. As a
result, many clients end up filing for bankruptcy. Debt settlement is an
alternative solution for people who legitimately cannot afford to repay
their debts and are looking for an honest way out of a debt-burdened life.
Debt settlement serves an important role in the debt relief industry
because it is not like consumer credit counseling, debt consolidation and
other debt relief options that coach you through repaying your entire debt,
even if you cannot afford to do so. Instead, debt settlement involves
negotiating with your creditors to settle your debt for a reduced amount.
This is why debt settlement is a growing debt relief solution.
Many credit card companies have debt negotiation and settlement departments
for the specific purpose of negotiating with debt settlement companies like
American Debt Foundation. While they prefer that you repay the entire amount
you owe, creditors understand that lending credit is a risk, and sometimes
consumers experience legitimate financial hardships that prevent them from
repaying the full debt.
It is important to us that you understand the debt settlement process or
any other debt relief option you choose before committing to a program. The
following pages explain how and why the debt settlement process works. Keep
in mind that not all debt settlement companies are alike and others may not
have the same process and steps described here.
What is debt settlement?
Debt settlement is when you repay your creditors less than you owe to
satisfy your debt. People with overwhelming debt can enroll with a debt
settlement company who will negotiate with their creditors to settle their
debts for a fraction of what they owe.
In a debt settlement program, you deposit money into a savings account each
month, instead of paying your creditors. Once enough money builds up, the
company negotiates with your creditors to accept a lump sum payment. If the
creditor accepts, this agreement settles the account. Your debt is
considered paid and you can begin saving for the next settlement offer.
What settlement results do your clients typically see?
On average, we settle our clients' debts for about 30-50% of the entire
amount owed.
How long will it take me to get out of debt?
Our program graduates are typically out of debt in 12 to 36 months.
Can American Debt Foundation help with harassing collection calls?
No company can completely stop debt collector calls. However, we ask your
creditors to contact us directly about your accounts. We also offer specific
advice for dealing with unwanted collector calls that come to your home.
Does American Debt Foundation offer any guarantees?
American Debt Foundation is one of the few companies in this industry to
offer a 30 day money back guarantee.
How much is American Debt Foundation's debt settlement program going to
cost me?
Our professional debt consultants will work with you to create a customized
payment plan according to your financial situation. Our fees are a
percentage of the total amount you owe.
Why would my creditors accept less than the full amount I owe?
Your creditors prefer to collect the full amount you owe; however, they
know that if you file bankruptcy, they may receive no payment at all.
Creditors are usually open to debt settlement once they recognize that you
are facing significant financial hardships and are trying to avoid
bankruptcy. Your creditors would rather accept a lump sum payment of 50% of
your debt than risk getting nothing at all.
Can I be sued by my creditors while enrolled in your program?
We do everything in our power to negotiate a mutually agreeable settlement,
but there is the possibility a creditor can take legal action to get you to
pay. This usually happens when creditors think they can recover the full
amount you owe through the courts. We are not a law firm and we recommend
you speak with a licensed attorney in your state for more information.
How will debt settlement affect
my
credit?
Debt settlement can have a negative impact on your credit.
However, debt settlement can also get you out of debt faster than many
other debt relief options so you can begin rebuilding your credit sooner. If
you are already behind on payments, or you might be shortly, your credit is
already impaired - you have too much debt compared to your income. This is
known as a high debt-to-income ratio. To be considered credit-worthy again,
you must drastically reduce or eliminate your debt, thereby reducing your
debt-to-income ratio.
Remember, you can always rebuild your credit and it's much easier to
rebuild your credit without the burden of overwhelming debt or a bankruptcy
mark on your
credit
report.
Once I've enrolled in American Debt Foundation's debt settlement program,
who maintains control of my finances?
You maintain control of your finances. Instead of paying us or your
creditors, you deposit money into a third-party savings account every month.
When enough money accrues and your creditors are ready to settle, the money
from that account goes toward your settlement. Because you ultimately
maintain control of your finances, your commitment is essential to the
success of your program.
What if I need to cancel the program?
You can cancel the program and withdrawal the money in your set-aside
account at any time. We do not have a long term commitment, so you are under
no contractual obligation to stay if you decide the program is not right for
you. You will not be charged any penalty fees, closing fees or any other
hidden charges.
Does everyone qualify for American Debt Foundation's debt settlement
program?
Not everyone qualifies for debt settlement. Debt settlement is an
alternative to bankruptcy for people with overwhelming debt who have endured
personal or financial hardships that prevent them from repaying their
creditors.
What types of debt does American Debt Foundation settle?
There are generally two types of debt: unsecured and secured. Secured debt
is backed by collateral such as a house or a car. American Debt Foundation
cannot settle secured debts because creditors can simply repossess the
assets if you fall behind in payments. Unsecured debt is not backed, or
secured, by collateral and therefore it can be negotiated. Unsecured debts
include credit card debt, medical bills, repossessions, etc.
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