Do you feel that most of your monthly credit card payments are going to unfair and high interest rates? If you are one of many who called their creditors asking for a lower interest rate and was denied, credit counseling may be an option. It’s ok because you’re not alone and many who are looking for debt relief programs want to avoid bankruptcy unless it’s absolutely necessary.For some, bankruptcy can be a blessing in disguise.

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Not only can you save off the principal balance, but the amount of time it takes to pay off your debt is dramatically reduced.

You can use a Credit Card Debt Calculator to compare how long and how much it will take to pay off your credit card debt using the different debt relief programs or by making the minimum payments. And they’re completely backed by our 100% Money Back Guarantee.

Our Programs are Performance Driven so you never pay a fee until you get the savings.

The main credit card debt relief programs are: Credit Card Debt Settlement Credit Card Debt Consolidation Credit Card Counseling Services Bankruptcy A Credit Card Debt Settlement Program is often referred to as debt negotiation, debt reduction, debt resolution or simply, debt settlement.

It’s a form of credit card debt relief that reduces the principal balance on your credit card debt by negotiating with your credit card companies.

Once your credit card debt is negotiated, the creditor will send a debt settlement letter indicating that the debt has been reduced and considered settle once the renegotiated payment is made.

Those enrolled in a credit card debt settlement program that make all of their program payments are usually able to save a considerable amount.

Credit card debt settlement is an effective bankruptcy alternative and getting out from under your unsecured debt load in a relatively short time – just 24 to 48 months depending on your particular situation.

While it is not the perfect debt relief solution for everyone, it may be right for you if paying off your debt while looking for a bankruptcy alternative.