Debt Settlement… Is It For Me?
Debt Settlement
When people call me on the phone, I tell them that there are three reasons why someone contacts a debt settlement company.
1. You are already behind on your payments, or you see that as the next thing that is going to happen.
2. You are on time with your payments, but you really can’t afford everything, so you rob from Peter to pay Paul, but only see yourself getting further in debt each month.
3. You are on time with your payments, but can only afford the minimums (or a little bit more) and realize you will never get out from under the debt. You understand that if one more thing happens to decrease your income that your whole house of cards that you have so carefully built will fall. You might have already spent years trying to become debt free, only to come to the conclusion that you are a rat on an wheel, running and running but never getting anywhere. Unfotunately, you are every creditors favorite client… You are a ‘Client for Life’.
Get Out Of Debt Now
I speak to people every day who say that they are going to just try to ‘ride it out’. They hope and pray that their overtime will come back. They hope and pray they will get a job, or a better job, or they feel guilt for joining a debt settlement program. I can empathize, and I really do understand. I know that you NEVER wanted to be here.
I also speak to people today, whom I spoke to a year ago or more, who decided against the debt settlement program for any number of reasons, yet call me back after coming to the conclusion that they just can’t do it. They tried and they tried, and nothing changed except their interest rates.
If You Have Credit Debt
If you recognize yourself as any of the above, or even close… If you understand that if just one more thing happens to affect your finances and you will no longer be able to keep your head above water, then the last thing that you want to do (financially) is tread water for another 6 months or more ‘trying’.
‘Trying’ is what the creditors want you to do. They want you to ‘try’ until you really can’t ‘try’ any more. They will have gotten 6 more months worth of interest out of you, and all that money will have been wasted. Money that truly could have been spent on getting out of debt rather than remaining in it trying to keep a half way decent credit score.
Is it for you?
If you have questions or comments, please fill out the form below and I will answer within 24 hours – If you want a phone call, please put your phone number in the message section. ALL INFORMATION IS STRICTLY CONFIDENTIAL AND WILL NEVER BE SOLD OR SHARED!
