• Lower your monthly payments
  • Reduce stress and live your life
  • Avoid personal bankruptcy court

Debt Cures Reviews: Zipdebt vs Credit Solutions

Hello-

Edit 4-28-2009: Credit Solutions was recently sued by the Texas Attorney General. I am no longer recommending them. To learn debt negotiation on your own use Zipdebt. To get professional debt settlement help, use Debt Shield.

When you want to eliminate your debt, you have many choices, or “Debt Cures,” as it were.  Bankruptcy and debt consolidation are ruled out because they can cause more trouble then they are worth.  So that leaves paying it all off yourself which can cost you several thousand dollars in interest if you are paying the minimums or using debt negotiation.  The leader in debt negotiation is Credit Solutions.  If you want to do it yourself, there is a training course called Zipdebt.

Doing your own debt negotiation can save you thousands of dollars.  However, you have to go through the course and learn the process before you can start settling your own credit card debt with a settlement letter. When you go with a debt negotiation company like Credit Solutions, you immediately tap into their experience and expertise and can get the process started sooner.

The biggest difference between doing it yourself and hiring a debt negotiation company is the cost. While debt settlement can cost you several thousand dollars in fees, doing it yourself will cost you $400 no matter how much debt you have to settle.

The best option is to do it yourself because no one will look out for your best interests better than you will.  For this reason I would recommend you take a look at settling your own credit card debt with Zipdebt.

But I also realize that not everyone has the time to learn the process and is already stretched for time as it is working as much as you can just to pay the bills and this is why Credit Solutions would be the choice for you.

Whichever method you choose, debt settlement is the best way to get quick debt reduction, debt cures, without filing bankruptcy and without having to use debt consolidation.

Choose your option below:

1. Zipdebt

2. Debt Shield

Thank you for reading,

Adam

Debt Cures Reviews

Debt Cures: Care One Credit Counseling vs Credit Solutions

Hello-

Here we are almost the middle of February already and our debt problems are getting worse with each new day.  There are layoffs, businesses closing and credit card companies putting the squeeze on us little guys. If your credit card company is not trying to increase your interest rate, they are trying to restrict your credit limit so you cannot charge anymore.

It’s time to look at some debt cures to solve your credit debt problems.  Today, I wanted to compare Care One Credit Counseling vs Credit Solutions.

Care One Credit Counseling does just that – credit counseling.  They will give you a free consultation and determine if debt consolidation is your best way out of debt.  Not everyone will qualify for one of their plans.  The good thing about CareOneCredit is that they will work with you if you have just $2500 in credit card debt. Most companies will not work with you unless you have $7500 or $10,000 or more in credit card debt. What CareOneCredit can do is spread out your debts over a longer period of time and reduce your interest rates and get some fees waived. You can pay less when you use credit counseling and debt consolidation than paying it all off on your own. The fee for CareOneCredit Counseling varies by state so there is no number I can give you of what to expect to pay. You can talk to them for free and find out how they can help you before you sign up with them.

Click Here To Talk To Care One Credit Counseling Free

Now let’s talk about something different – debt settlement.

(EDIT: 5-9-09) Credit Solutions has had some legal issues as of late so I can no longer recommend them. One recommended company that offers debt settlement is Debt Shield. You can get a free consultation and see how much money you can save. Debt settlement is a different program altogether than debt consolidation. The goal of debt settlement is to negotiate with your creditors and work on reducing your total outstanding debts before you start paying anything. In some cases, you can reduce what you owe by 40-60%. Your mileage may vary. It is a much better option than bankruptcy.

Both are free to talk to and I would advise you talk to them and see what kind of savings you can expect from their plans.

Click Here To Talk To Care One Credit Counseling Free

Click Here To Talk To Debt Shield Free

Thank you for reading,

Adam

Debt Cures Reviews

Debt Cures or Credit Solutions

Hello-

Today, I wanted to compare Debt Cures with Credit Solutions. Kevin Trudeau talks about reducing what your interest rates are with your credit card companies, while debt settlement can help you reduce your total balances not just your interest rates.

While he does talk a little bit about it in chapter 14, doing whatever you have to do to avoid bankruptcy, he doesn’t go into that much detail.  If you want something more useful, which is one of the biggest complaints about the Debt Cures book then talk to a company for free that can help you reduce your balances and help you get out of debt faster.

Credit Solutions is the largest debt settlement company in the US.  They have customer service reps available 24/7 to answer any questions you may have.

Look at what Credit Solutions can do with a $50,000 credit card balance for example:

credit card debt paid with credit solutions

So Credit Solutions is a better alternative than most credit counseling programs and it is a much better option that debt consolidation. Why? With debt consolidation, you do not reduce what you owe, you only put it all under one new loan and extend the time you have to pay it off.

With debt settlement, you have a legitimate chance at reducing your total credit card balances and getting debt free within 12-36 months.  And of course it’s not free though.  Debt settlement usually costs about 15% of your debt which can get costly.

But when you eliminate your total credit card debt and get debt free in 12-36 months, you can still realize significant savings.

Compared to bankruptcy, debt settlement is the step right before you file.  Credit card companies would be more willing to settle with you and get something for your debts rather than nothing if you file bankruptcy.

Using Credit Solutions to settle your debts will lower your credit score. You have to save up money to put into a settlement fund and you cease making your credit card payments to do this.  Missed credit card payments will lower your credit score.

You have to ask yourself if you would rather have a good credit score with tens of thousands of dollars of debt or a temporary lower credit score and zero debt?

Click here to get a free consultation with Credit Solutions.

Thanks for reading and have a great day!

-Adam

Debt Cures Reviews