New York, NY (PRWEB) October 05, 2012
A recently released data from Card Hub, a comparison site on credit cards, indicates that more people are actually paying for their credit card bills this year than the previous year, decreasing the amount of total credit card debt. The decline, however, is mostly attributed to billion-dollar charge-offs, which is when creditors write off debts as losses. While debtors themselves can negotiate to pay for all their debts through consolidation, professional settlement and debt consolidation by NationalDebtRelief.com still offers the most realistic way out of credit card debt. The leading debt settlement company recently unveiled its debt negotiation program designed to reduce balances and lower monthly payments.
The New York-based company says, “NationalDebtRelief.com offers debt relief help to consumers struggling to make the minimum payments on their unsecured credit card debts. We work with households that have over $7,500 in unsecured debt and we provide a range of programs along with financial literacy meant to help you get your finances—and your life—back on track.”
The National Debt Relief’s programs are specifically for people struggling to pay their credit card debts, personal loans, medical bills, department store cards, credit unions, and collection accounts that resulted from the aforementioned debts. The debt relief company relates, “We will set you up with an affordable monthly payment program, which is determined on a client-by-client basis between you and a counselor at NationalDebtRelief.com. (This is) based upon what you can afford to pay each month into your debt settlement account (so you) ultimately get out of debt.” Debts from mortgages, car, truck, van or motorcycle loans, child support, personal loans acquired from banks, and student loans are unqualified for the debt relief company’s programs.
National Debt Relief will determine which debt program is best by looking into their client’s situation, which will include their financial status, payment history with creditors, and the funds intended for paying off debts. Aside from evaluating the client’s current circumstances, the consultants at National Debt Relief will also help to establish realistic expectations in order to meet financial goals.
National Debt Relief is a member of the American Fair Credit Council (AFCC), the leading group of credit advocates for consumers. Members of the AFCC are required to uphold a strict Code of Conduct with clients. The National Debt Relief Group uses negotiation and settlement as an alternative to declaring personal bankruptcy, relying on debt consolidation alone, or merely getting credit counseling. Merging financial education with customized service, the company offers countless Americans the opportunity to become debt-free, allowing them to secure their financial future. The company also makes a guarantee that no fees will be charged until your creditors agree to a settlement offer.
National Debt Relief discloses, “There is no sign up fee and we offer a strong money back guarantee if you are ever unsatisfied with our service or results. Our certified debt negotiators have been delivering outstanding results to our clients for over a decade.”
The company’s debt settlement process entails a budget plan and payment goals to determine the client’s monthly payment program, and negotiations, which are only finalized when both debtor and creditor agree on an amount. With the proven process, many clients can potentially avoid bankruptcy with National Debt Relief solutions.
Says National Debt Relief, “We are here to help consumers pay off their creditors and re-establish financial stability as quickly as possible.”
National Debt Relief programs offer many of those in debt the chance to knock off a portion of their balances and to make low monthly payments. As cashless purchases remain inescapable transactions to many consumers, the financial resolutions from National Debt Relief will certainly help many Americans avoid being deep in credit card debt today.