Having trouble
paying your bills? Getting dunning notices from creditors, or lenders ? Are
your accounts being turned over to debt collectors? Are you worried about
losing your home or your car? You’re not alone. Many people face a financial
crisis at some point in their lives. Whether the crisis is caused by personal
or family illness, the loss of a job, or overspending, it can seem
overwhelming. But often, it can be overcome. Your financial situation doesn’t
have to go from bad to worse.
If you or someone
you know is in financial hot water, consider these options: self-help using
realistic budgeting and other techniques; debt relief services, like credit
counseling or debt settlement from a reputable organization like Complete Debt
Solutions or Canada Life Solutions; debt consolidation; or bankruptcy. How do
you know which will work best for you? It depends on your level of debt, your
level of discipline, and your prospects for the future.
Credit card debt is
easy to get into. Unfortunately, it has also been designed to be nearly
impossible to get out of. Minimum payments can keep a consumer on the hook for
20 years or more. In this time, he/she will have typically paid back the
original balance – ten times over. Obviously, making only the minimum payment
is not an effective way to get out of debt. But when a financial hardship
inevitably occurs, it gives the credit card companies a reason to increase
interest rates, making even the minimum payments unaffordable. We understand
how devastating this practice is. That is why we are committed to a debt
settlement model designed to work for you - the consumer.
Complete Debt
Solutions is a debt negotiation company and consumer advocate, leading our
clients into a more sustainable financial life. We do not collect a fee until
after we’ve settled an account—meaning we don’t get paid until we save the
consumer money. We know settlement can be intimidating, which is why we’ve
taken the steps to make the program as accessible as possible. No UpfrontFees period!
Every one of our
clients is paired up with an individual Complete Debt Solutions
representative—a trained certified arbitrator and financial advisor to walk
consumers through the process of the program, assist in decisions and answer
any questions along the way. We have on-staff for consultation at no extra cost
to our clients, and when you call us during our office hours, you will always
talk to a real, live human being—we never use a recording. When our clients
complete the program and are officially debt free, we assist with the cost of
credit repair, and offer continued access to financial education.
Settlement is a
legal, logical, and ethical way to get out of credit card debt. You will save
money in an account that we will use to offer settlements to your creditors.
The incentive for your creditors to settle becomes clear once there is a
possibility that they may collect nothing on the balance if you were left with
no choice but to file for bankruptcy protection. Your incentive to settle is to
avoid bankruptcy and to ethically discharge your debts. Our record for success
is indisputable - but we encourage you to research all methods available.
Settlement is not for everybody. Sometimes, bankruptcy is unavoidable. Our
financial advisors can, at the very least, point you in the right direction. Call (855) 773-3365
http://www.nomoredebtsolutions.ca | http://www.completedebtsolutions.ca
