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Credit Card Debt Relief help from Active Debt Solutions
When you’ve got monthly payments that are eating up a huge portion of your income, you may think there’s nothing you can do. You’re not the only one with credit card debt; most Americans suffer from the same ailments you do. What most people don’t know is that there are some very simple things you can do to help relieve some of the pressure and make credit card debt more manageable. Here are 3 things you can do!
You may call us anytime at: (866) 720-7483 or send us an e-mail info@active-debt.com.
1. Call Them And NegotiateMost folks don’t know that you can give your credit card companies a call and it will actually make a difference. When you owe them a bunch of money, it feels like they’ve got you in a pretty compromising position. But, you’re still their customer and they want your business. In other words, if you can’t pay or end up filing bankruptcy, they get 0 of the balance owed. For this reason, they’ll usually be willing to play ball with you a little and you might even convince them to negotiate a new interest rate for you.
2. Get Help From Credit Counseling
Another option is credit counseling. These are non-profit organizations that help you with credit card debt either for free or for a small fee. These are often the companies you see advertising on the Internet – these companies are typically not for-profit and they have your best interests at heart. What credit counseling does is help you work out a budget, give you some ideas on how to reduce your credit card debt more quickly and sometimes they can even negotiate with your credit card companies for you. Active Debt Solutions is an agent for Military Debt Management Agency, a non profit credit counseling agency that has been in business for nearly two decades. They have an A+ rating on the Better Business Bureau with NO complaints. Often, this will save you years of payments and money on interest but may not reduce your monthly payments.
3. Consider Debt Settlement
Debt settlement is a plan where you put one monthly payment into an accumulation savings account (Active Debt uses an FDIC insured bank), in your name in order to save for settlement negotiations with your creditors. If you can afford to continue paying your monthly debts you should, but if you have experienced a financial hardship of late and find that you are behind now, debt settlement may be the option for you. It sounds like a dream come true, but you should be fully aware of the downsides before you choose this option. Don’t jump into anything without first checking it out to make sure it’s right for you.
Credit card debt help is on the way! There are millions of people in the exact same situation as you, and there are plenty of avenues for help. If you’re in trouble with credit cards, you can always contact a debt consolidation company and explore options with them. These are organizations that are experienced at helping regular folks like you deal with their monthly debts. They can work with you to decide the best solution for you. The main thing is to start proactively taking care of your credit card debt before you fall behind and get into trouble, so act today.
