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Credit Card Debt Settlement

Credit card debt can easily grow out of hand, even for the most cautious credit users. Sometimes expenses can pile up unexpectedly, facilitating the need to be put on a credit card. When these instances happen, credit card debt settlement can help to alleviate the subsequent debt. Settling your credit card debts is an easy way to have your financial obligations organized and ultimately lessened, helping to save you money overall.

 

Credit Card Debt Settlement Companies

Credit card debt settlement can be attained the same way any other type of debt settlement is garnered: through the use of a debt settlement company. Debt settlement companies can help to reduce your credit card debt, allowing you the ability to eliminate your debt faster than originally possible. While credit card debt settlement can be negotiated on your own, the chances of a successful negotiation tend to increase when a debt settlement company negotiates with your credit provider.

 

Avoiding Debt Consolidation

Aside from helping you save money, credit card settlement allows you to avoid other forms of undesirable debt relief. Credit card debt settlement can help you avoid debt consolidation. Whereas debt settlement can reduce your debt and potentially shorten the amount of time you take paying off the debt, debt consolidation does nothing to lessen the debt, only transferring your debt to another source.

 

Avoiding Bankruptcy

Credit card debt settlement can also help you to avoid bankruptcy as well. Bankruptcy is regarded as a last resort when looking to rid yourself of debt. However, doing so through bankruptcy would ruin your credit for a long period of time (up to ten years) and it would also prevent you from applying for new forms of credit immediately afterwards. This can be one of the most damaging actions you can take towards your credit and should be avoided if at all possible.

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Completing a form on this site does not enroll you into a debt relief program. If you do enter into a debt relief program with Guardian, your program may last 24 to 48 months. Clients who are enrolled in a debt relief program may realize savings at the completion of the program including applicable fees. These figures are based on enrolled unsecured debts, and may vary depending on your individual debt relief program. Completion rate of the program is not guaranteed, and is based on the client’s ability to make timely monthly payments. There is no guarantee that we will lower your debt by either amount or percentage, or that you will be debt-free at any set time. We do not make monthly payments to creditors, take on consumer debt, nor do we provide credit repair services, or bankruptcy, tax, legal, or accounting advice. Contact a tax professional for tax advice and consequences of debt relief. Contact a lawyer to discuss bankruptcy options. Our debt relief services are not available in all states. Depending on your location, we may be able to recommend tax professionals or attorneys to assist you. Any use of the term “debt-free” or “debt freedom” on this site or by any Guardian representative, refers only to unsecured debt enrolled in our debt relief program—and does not relate to or promise any relief from secured debt and/or unsecured debt not enrolled in a debt relief program. Please understand the benefits and consequences of enrolling in any debt relief program, including potential negative credit rating impacts.
Lifeline Debt Relief, Inc. d/b/a Guardian Debt Relief.
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