Posted in the Credit Card Debt Forum
Quezon City, Philippines
#1 Dec 10, 2009
If you want to take credit card debt settlement advice from a professional, you should be able to trust the advisor fully. So you need to check the credentials of the credit card debt settlement advisor/company.
There are hordes of people and companies that advertise "credit card debt settlement in one day" which will appear incredible. Such credit card offers are generally not genuine.
You need to understand that credit card debt settlement cannot happen overnight. So, beware of such agencies. That said it's important to mention that there are a lot of good credit card debt settlement advisors / companies available such as Debt Solution Centers who will not only give you genuine credit card debt settlement advice but will help you throughout until you are finally out of debt.
Their advice may, in fact, more than compensate for the fee that they charge you for credit card debt settlement.
These credit card debt settlement companies / advisors will be able to help you in the best way if you tell them your current financial situation correctly. Your future plans are important too, as they might influence the decision on 'What route for credit card debt settlement would work the best for you'.
Once you are done with your credit card debt settlement, you should also take measures to avoid falling into serious debt again.
Since: Dec 09
#3 Aug 12, 2010
While it is certainly possible for someone to achieve a credit card debt settlement on their own I do not recommend it anymore than I would recommend somebody taking out their own appendix. In the first place creditors do not take the situation nearly as seriously when a debtor calls to make a settlement as when a debt relief professional, such as a bankruptcy attorney or debt management firm calls to make a debt settlement. An individual would not know how to negotiate a debt settlement or what a proper debt settlement would be. A debt management professional working in this field would know most individual creditors including what their standard acceptance offer would be. In order to achieve the proper credit card debt settlement it is important to understand the proper way to fill out certain financial forms, most individuals do not know how to do this properly.
#6 Mar 26, 2014
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