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 your credit card debt is causing you stress, now is a good time to evaluate how to lessen your stress by finding 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 American consumer debt as charted below are:
Putting off financial issues will not improve your situation; in fact, it will only reduce the number of options that are available to you. If you start today, you can defeat your debt, no matter what your age or situation. The good news is that you do not have to embark on this journey to financial freedom alone.
To successfully begin to resolve your debt, you need to enact a series of measures:
The first question you need to answer is ‘do I need professional help to get my finances back in good order?' Some people who are not in significant debt can resolve their problems on their own. They may need some guidance on budgeting and tracking their expenses, but their situation may not require the services of a debt resolution professional.
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. Get a personalized debt relief plan from ClearOne Advantage.
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.
Are you looking for the truth about debt settlement? In this article, we debunk several myths that have sprung up around settling credit card debt.
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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We do not discriminate on the basis of race, color, religion, sex, marital status, national origin or ancestry. Please also note that all calls with the company may be recorded or monitored for quality assurance and training purposes. Clients who are able to stay with the program and get all their debt settled realize approximate savings of 50% before fees, or 30% including our fees, over 24 to 60 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating. C.P.D. Reg. No. T.S. 12-03822
**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.