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CREDIT CARD DEBT


The Correct Way to Eliminate Credit Card Debt

Credit card debt is financial cancer. We refer to the process of compromising credit card debt as “Debt Resolution.” The financial crisis has witnessed the emergence of many “Debt Settlement” companies that claim to assist people in settling out their credit card obligations at a discount. We take a dramatically different approach. Debt settlement companies are frowned upon by the Federal Trade Commission because they promise more than they do; overcharge for the level of service they provide and, worse yet, when they don’t settle the debts they promise and you are sued, they don’t defend the lawsuits. In our view, these companies should always be avoided. Our Debt Resolution program is less costly, takes 18-24 months (in contract to 4 years) and includes, at no additional cost, our defense of any lawsuits brought by the credit card companies. It is a comprehensive program. Here is how it works.

First and foremost, you must recognize that the credit card companies will not discount or assist you if you’re paying the cards current. The collateral consequence here is that you must stop paying on the cards in order to derive the best discount. This means, if you’re overly concerned with your credit score you’re going to have a difficult time taking advantage of the terrific results that can be achieved using Debt Resolution as a tool for financial crisis management. Shedding debt is the key to this outcome and, in our view, when properly evaluated, it outweighs the cost of seeing your credit score dip for a couple year period.

Before going too far, let’s discuss the basics of when Debt Resolution is a good idea. The best case scenario is someone with substantial credit card debt, who still has regular income such that we can facilitate settlement of the card balances by saving the money that was being paid to service the monthly payments on the cards. We often times adopt this strategy on clients who are seeking a loan modification, short sale or deed in lieu of foreclosure on their house (“not home”) or other property. The reason is that this is a person who we are attempting to shed debt and preserve future income without utilizing a bankruptcy filing. Keep in mind, though we think bankruptcy is a great solution when you can pass the “means test” and discharge debt, the current law does not always cooperate. Fortunately, Debt Resolution can facilitate reaching the designated goal. Remember – the goal is to eliminate debt in most cost effective and expedient manner.


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