Are you carrying big balances on your credit cards, struggling to make the minimum payments, and living from paycheck to paycheck?
You are not alone. Millions of Americans are in this same situation. According to the American Psychological Association, 72 percent of Americans are stressed about money. Twenty-two percent of them are extremely stressed.
If you find yourself overwhelmed by the amount you owe and the stress of managing multiple payments, you may be able to explore options like debt consolidation loans or debt relief programs. Debt settlement companies can also help negotiate with creditors to reduce the amount you owe, easing the burden on your finances and reducing stress.
Νow is a good time to evaluate the right debt relief option and regaining control of your finances.
Statistics have shown that the average American's debt amount can correlate with their peak earning years. The more you earn, the more debt you are likely to accrue.
The most common types of debt that lay the foundation for credit for an American consumer as charted below are:
To successfully begin, you need to enact a series of measures:
The first question you need to answer is, “Do I need a debt relief company to help me make the best financial decisions regarding my debt?” Some people who are not in significant debt can resolve their problems on their own. To make the payments efficiently, they may need some guidance on budgeting and tracking their expenses, but their situation may not require the services of a debt resolution professional.
If your answer is “yes” to two or more of those questions, you may want to seek the advice of a professional debt relief company like ClearOne Advantage.
A look at the following chart reveals just how much a person with $50,000 in unsecured debt can save by choosing debt settlement over other options such as making only minimum payments on credit card accounts, going through credit counseling, or filing bankruptcy.
(Briesch, Richard. (2009). Economic Factors and the Debt Management Industry.)
ClearOne Advantage has helped thousands of people get out of debt. We know how to hand you back control over your debt and regain your financial freedom.
We can help you by giving you a realistic road map out of debt. A ClearOne Advantage debt settlement plan can help you resolve your debt within a reasonable time frame, without sacrificing the things that matter to you.
If you have already taken some measures of your own to dig your way out of debt, we can assess what you are doing well and what you need to change. Our Certified Debt Specialists can give you a personalized plan and list the options you have at your
disposal.
A ClearOne Certified Debt Specialist can negotiate with your creditors to get you repayment concessions where you typically end up paying less than the amount you currently owe, which allows you to get out of debt more quickly.
Through debt resolution, you are not walking away from your debts. Rather, you are reaching an agreement with your creditors to satisfy the debt for a lesser amount than what is owed. A creditor is typically willing to do this because they realize that someone facing financial hardship has options available such as bankruptcy that may result in the creditor not receiving anything at all.
Debt relief plans are suitable for the settling of unsecured debt, such as credit card debt, medical debt, and personal loans.
Debt settlement may have some negative impact on your credit score, but this damage is much less significant than what declaring bankruptcy inflicts.
The ClearOne Advantage debt relief process starts with a 20-minute consultation with a Certified Debt Specialist at 888-340-4697. The specialist creates a customized relief plan, answers all questions you may have about it, and thoroughly explains the plan to you.
ClearOne Advantage does not charge any upfront fees for this service. We only earn money when you settle your debt and save money.
Getting out of debt is possible, and we can help you reach your goals with a reasonable, workable plan.
Get a personalized debt relief plan from ClearOne Advantage at 888-340-4697 and take your first step toward financial freedom today!
Debt settlement can save you money and is the sensible solution for certain debtors once the pros and cons are considered. Find out if it is right for you.
Depending on your financial situation, you have different options to resolve debt. ClearOne Advantage can help you figure out which option suits you best.
Struggling under the weight of credit card debt? Take back control by exploring how Debt Settlement can provide credit card relief.
If your current debt situation is causing you stress and you're concerned about your financial future, a ClearOne Advantage Debt Settlement Plan can help faster than you thought was possible.
I wish to thank you for all of your agency support and encouragement. The last two months have been very stressful due to the accounts going legal. It has been also very rewarding to get through this process and have a good grip on our future and we have started this planning and example for our children.
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ClearOne Advantage, LLC is a debt settlement company, not a lender, loan broker, creditor, credit services organization, or debt collector. ClearOne Advantage, LLC does not assume or pay any debts; receive, hold or control funds belonging to consumers; or provide bankruptcy, legal, accounting or tax advice. You should review full program terms and conditions before enrolling. To the extent that any aspect of the debt settlement services relies on or results in the consumer’s failure to make timely payments to the consumer’s creditors or debt collectors, the use of the debt settlement services: (1) Will likely adversely affect the consumer’s creditworthiness; (2) May result in the consumer being subject to collections or being sued by creditors or debt collectors; and (3) May increase the amount of money the consumer owes due to the accrual of fees and interest by creditors or debt collectors. Not available in all states. Some third-party fees may apply. C.P.D. Reg. No. T.S. 12-03822.
ClearOne Advantage is not a credit services organization and we do not make any claims regarding improvement of a consumer’s credit scores. Entering into a debt settlement program could adversely affect your credit score.
**Disclaimer - We do not charge upfront fees and you do NOT pay our fee until a settlement has been arranged, you approve the settlement, and at least one payment is made towards the settlement. As each situation is unique, fees and costs vary. Please contact us at 888-340-4697 for a free debt analysis and for complete program details.