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

National Debt Relief Program

What is a good national debt relief program and what can it do for you? Is it better than filing bankruptcy or non profit credit counseling. What kind of debt relief are we talking about here? What are the best debt cures out there?

When you talk about debt relief, there are many things you could be talking about. But for this debt relief program we are talking about debt settlement, sometimes referred to as debt negotiation. People think of the words as interchangeable even though they mean slightly different things.

Debt settlement allows many people who are suffering from massive credit card debt or other unsecured loans to drastically reduce those credit card balances in a relatively short period of time. How short? As quick as 12 months. In less than 1 year you could be credit card debt free.

One of the leaders in debt settlement offers a national debt relief program in all 50 states. This debt settlement company is called National Relief. They offer debt relief with no upfront fees and you can get all your money back at anytime without any penalty or fees. They are also fully FTC compliant and have one of the lowest success fees in the industry.

How much does credit card debt settlement cost?

In years past, you could expect to pay an upfront fee and a monthly fee to have a debt settlement firm settle your debts with your creditors. This was at least 15% of your outstanding balance. Sometimes it went higher up to 25% or more.

And these companies made no guarantees that your creditors would be willing to reduce your balances with a debt settlement offer.

Now in 2011 and into 2012, companies can only charge a fee after they have delivered savings on your debts. They only get paid if they reduce your balances. You can think of it like a contingency fee for a law firm that only gets paid when they win a case. In this case the “winning” comes from getting your creditors to agree to a lump sum payment for a forgiveness of your entire debt.

On average you will have to pay a 20% fee based on the savings of your debts. So if you get credit card debt forgiveness of 50% by Bank of America, Chase, HSBC, Advanta, Citibank, Discover Card, FIA Card Services, Wells Fargo, American Express, US Bank or Capital One Bank then you will end up with a savings of 30% after the success fees.

For example, one of your creditors could agree to forgive your $10,000 Visa or MasterCard for a lump sum payment of $5,000. Then you would have to pay a $2,000 success fee. However in many cases you can get a higher reduction percentage on your debts. Sometimes as low as 25%. But we don’t want to give you the best case scenario. It’s better to give an average scenario so that your hopes are not too high when your creditors do not agree to a 25% settlement offer.

Each credit card bank is different and not all of them will be willing to settle your accounts for less than full balance.

Debt settlement is a better alternative than filing for Chapter 13 bankruptcy. The effects on your credit report and score are similar but with debt settlement they do not last as long. You can recover from debt settlement in 12 to 24 months and be able to buy a house or car shortly thereafter. This is not the case with a bankruptcy filing.

Even though National Relief offers a national debt relief program in all 50 states, it is not for everyone. There are some situations where it may not be a good idea to pursue this debt elimination method. They may guide you down a different path that works better for your unique circumstances.

Fortunately, they offer a free debt analysis to discuss your financial crisis and they can work with you in deciding if debt settlement and debt negotiation is one of the best debt cures for you and your family.

Help Me With Debt Relief! I am Drowning In Debt

Precisely how much debt do you possess? $5,000, $25,000, $50,000 or far more? That’s generally just what I’d personally call sinking with debt. It can feel as there is quite little you could do to escape from that. You might be scarcely having your minimum monthly payments currently. Your main expense plan is holding on by a thread, you might be consuming pasta and even ramen noodles 2 to three instances per week to avoid wasting cash. You’ve cut back the amusement expenditures as high as potential. Waiting right until your remaining allowable time to send off the power company as well as water bills.

So can you dig your way from this unsecured credit card pain and breathe again?

Drowning in credit card debt might influence you to ultimately be bothered with regards to lenders phoning one at home and at the office during the day. It may get you miserable since one cannot pay all your debts. It is able to impact an individual’s personal relationships with your family. It is able to lead you get far more moody over the day.

However you may have learned this guidance correct? You may have already been experiencing several of these emotions lately and you would like them to cease. You want some debt help and you need this rapidly.

This year, the Federal trade commission acted and even designed debt relief less of a challenge needed for consumers such as you to have vital debt solutions with no stressing in regard to getting cheated via a fly by night debt negotiation business.

Our own Federal trade commission has now decreed all credit card debt negotiation services to actually quit asking for upfront dues due to their solutions. This process would help you get set up acquiring debt help with no needing to be concerned about having to pay far more cash to a debt settlement company to get going.

Any time you are actually sinking with debt, going bankrupt may look like your main path to take. But you ought to understand a lot of people do not properly finish off an individual bankruptcy monthly payment plan. And then they still must go through the negative impacts in their fico scores as much as 10 years later.

However that doesn’t always mean a debt settlement program and credit card bill negotiation program will be intended for every person as well. Debt negotiation might not be for your needs. However, you need to check on all options before you pick one. You can obtain a free of charge loan settlement quote and run the numbers before you decide. See if such could seriously help : Debt Relief

You may determine you could diy and even there’s next to nothing incorrect about DIY. You can typically keep far more cash executing debt settlement in this way. Yet it will take a whole lot of energy and time plus efforts to get it done. An extravagance many men and women tend not to maintain.

However if you wish to get some essential help with debt together with your credit card, unsecured loans, personal loans, lines of credit, hospital bills, collections, auto repossessions or even small business debt one has nothing at all to give up simply by receiving the free of charge personal debt evaluation by a frontrunner with quick debt relief. They could clarify every one of your solutions whenever you have been sinking with debt.

The Best Online Debt Cures


If the thought of talking to a credit counselor giving them all your personal information sounds frightening to you, you have a better option. You can go with an online debt cure.  You can go for 100% online debt settlement with NetDebt.

NetDebt offers one of the best online debt cures. If you owe over $10,000 in credit card debt, they can help you reduce your balances by up to 50% or more.

Take a look at what they can do for you:

NetDebt 100% Online Debt Settlement

This example shows what it would cost to pay off $10,000 worth of credit card debt.

NetDebt Online Debt Settlement

Click here to talk with NetDebt free and see how much you can save with online debt settlement.

Debt Settlement is one of the fastest ways to reduce your credit card balances without filing bankruptcy.  Many people are struggling to pay their bills each month now that the economy is tanking.  Talk to a company like NetDebt for free and see what kind of debt relief you can get.


Debt Cures Reviews

Top debt elimination programs


Depending on what statistics you read, the average American has 9 credit cards and owes over $17,000 on those 9 credit cards.  Just watching TV the other day and I saw that about 80-85% of us are broke.  It’s no wonder that there are hundreds of debt elimination programs out there for you to choose from offering hope and debt relief.

There are a couple debt relief solutions that stand out from the rest.  Today, I wanted to share some reviews of those programs with you.

Top debt elimination program:

John Cummuta was a prisoner of debt just like most of us.  He was able to recover and bounce back and then some.  He has created one of the best debt elimination programs that has helped over 2 million people eliminate their debt.

Click here to get out of debt now

Do yourself a favor and do not make another credit card payment until you read this information.  It could save you thousands.

He promises he can help you eliminate all your debts even if you are struggling now to just make your current payments.

Recommended debt elimination program:

Credit Solutions is the largest debt settlement company in the U.S. and they have been helping people resolve their debt problems for more than 4 years. People that are in need of debt relief and answers come to us for solutions.

Contact Credit Solutions for a free debt settlement quote.

I read in a Chicago Tribune article the other day that Credit Solutions was able to reduce one family’s credit card debt by about half. This may or may not have been influenced by the Tribune’s involvement. Your results will vary.

Best ways to eliminate your credit card debt:

1. Debt Into Wealth

2. Credit Solutions

3. DIY Debt Elimination

Thanks for reading,


Debt Cures Reviews