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GamezLawFirm.com
How To Reduce Your Credit Card
Debt With A Debt Settlement
858-217-5051
Who Is Daniel Gamez?
Daniel Gamez is a California based debt relief
attorney who is also licensed in Texas. He has
been ve...
What We’ll Cover
1. What are my options for credit card debt relief?
2. What is credit card debt settlement?
3. The benefi...
“The average household with
credit card debt has
balances totaling $16,061”
NerdWallet 2016 Debt Survey
What Are My
Options For Credit
Card Debt Relief
1
Credit Card Debt Relief Options:
Debt Consolidation
Debt consolidation usually
involves taking out a new
loan to combine a...
What Is Credit
Card Debt
Settlement?
If you have high credit card debt, you
might be able to settle the debt for
less than...
Credit Card Debt Settlement To Lower Debt
This credit card debt help option requires that you stop making
credit card paym...
Can I Do A Debt Settlement On My Own?
Debt settlement contains no “secret sauce” formula. If you owe a
small amount to one...
The Benefits Of
Credit Card Debt
Settlement
If you have high credit card debt, you
might be able to settle the debt for
le...
Credit Card Debt Settlement Benefits
Pay less overall on your
debt in a much shorter
period of time
Less harmful to your
c...
How To Avoid
Debt Relief Scams
Avoid a credit card debt relief scam
by choosing a trusted source.
4
How To Avoid Credit Card Debt Relief
Scams
• There are a lot of scams out there, so do your research.
• Never go with a de...
Tips To Avoid Credit Card Debt Relief
Scams (continued)
• Make sure the company offers a free consultation before you
sign...
Does Debt
Settlement Hurt
My Credit Score?
In the long run, debt settlement will
improve your credit score.
5
Credit Card Debt Settlement Impact On
Credit
• Your credit score can initially be hurt and take a dip when you
stop paying...
The Process Of
Credit Card Debt
Settlement
Become credit card debt free with
debt settlement.
6
Credit Card Debt Settlement
Process
01
Contact Debt Attorney
For FREE Consultation To Explain
Your Situation
02 Learn Your...
Credit Card Debt
Settlement
Success Stories
Learn about people just like you who
found relief from credit card debt.
7
Credit Card Debt Relief Success Story 1
Our client owed Citibank in excess of $14,000. After sending
several letters to va...
Credit Card Debt Relief Success Story 2
Our client owed Capital One in excess of $10,000. We negotiated
the balance down b...
FREE Credit Card Debt
Resources
• Read the Gamez Law Firm's FREE eBook – Ultimate Guide To
Credit Card Settlement
• We hav...
For A FREE Debt Consultation,
Call 858-217-5051 or
visit GamezLawFirm.com
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How to reduce your credit card debt with a debt settlement

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If you want to lower your credit card debt fast, follow these tips on how to reduce your credit card debt with a debt settlement.

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How to reduce your credit card debt with a debt settlement

  1. 1. GamezLawFirm.com How To Reduce Your Credit Card Debt With A Debt Settlement 858-217-5051
  2. 2. Who Is Daniel Gamez? Daniel Gamez is a California based debt relief attorney who is also licensed in Texas. He has been very successful in defending credit card lawsuits and helping consumers to greatly reduce their credit card debt. The Gamez Law Firm is a full- service debt relief law firm voted #2 by the San Diego Union- Tribune Readers’ Poll and has received an “A” rating by the BBB. Free Debt Consultation: Call 858-217-5051 or visit GamezLawFirm.com
  3. 3. What We’ll Cover 1. What are my options for credit card debt relief? 2. What is credit card debt settlement? 3. The benefits of credit card debt settlement. 4. How to avoid credit card debt relief scams. 5. How will credit card debt settlement affect my credit score? 6. The process of credit card debt settlement. 7. Credit card debt settlement success stories.
  4. 4. “The average household with credit card debt has balances totaling $16,061” NerdWallet 2016 Debt Survey
  5. 5. What Are My Options For Credit Card Debt Relief 1
  6. 6. Credit Card Debt Relief Options: Debt Consolidation Debt consolidation usually involves taking out a new loan to combine all of your old loans, normally at a lower interest rate. However, a debt consolidation does not reduce the total amount of credit card debt that you owe. You will also need a good credit score to qualify for this new loan. Hardship Program If you have a long-term illness, a disability preventing you from working or a military deployment, some companies may be willing to work with you to lower payments or allow you to suspend them. You’ll need proof to support your claim for a hardship in order for a company to approve the arrangement. Debt Settlement Through a debt settlement you negotiation with the credit card company to pay back a lower amount of debt than you originally owe in a lump sum or over a short- term payment plan. Good choice if you have more debt than you can pay off in a 2-3 year period or if you have experienced a significant financial hardship.
  7. 7. What Is Credit Card Debt Settlement? If you have high credit card debt, you might be able to settle the debt for less than the full amount that you owe. 2
  8. 8. Credit Card Debt Settlement To Lower Debt This credit card debt help option requires that you stop making credit card payments, so that your account is considered "in default.” Once your account is in default, the credit card company would rather you negotiate a debt settlement to pay them, than declare bankruptcy and receive nothing. The credit card companies us this to their advantage and reap the benefits of creative bookkeeping. And you up end up paying less than your original debt owed.
  9. 9. Can I Do A Debt Settlement On My Own? Debt settlement contains no “secret sauce” formula. If you owe a small amount to one or two creditors, you could talk to them to settle your credit card debt yourself. However, if you owe significantly more money, you should consult an experienced credit card debt settlement attorney. It’s often difficult to determine what defines a good settlement. An experienced debt relief attorney will know how to negotiate the best settlement offer for you.
  10. 10. The Benefits Of Credit Card Debt Settlement If you have high credit card debt, you might be able to settle the debt for less than the full amount. 3
  11. 11. Credit Card Debt Settlement Benefits Pay less overall on your debt in a much shorter period of time Less harmful to your credit than bankruptcy Avoid a credit card debt lawsuit
  12. 12. How To Avoid Debt Relief Scams Avoid a credit card debt relief scam by choosing a trusted source. 4
  13. 13. How To Avoid Credit Card Debt Relief Scams • There are a lot of scams out there, so do your research. • Never go with a debt settlement company, always go with a debt relief attorney. • A debt relief law firm is held to a legal standard of ethics that a debt relief company is not.
  14. 14. Tips To Avoid Credit Card Debt Relief Scams (continued) • Make sure the company offers a free consultation before you sign anything. Ask lots of questions and avoid any company that isn’t interested in answering them. • Check with the Better Business Bureau to see if there’s a history of complaints. • Stay away from any company that seeks money in advance or guarantees that your debt can be settled.
  15. 15. Does Debt Settlement Hurt My Credit Score? In the long run, debt settlement will improve your credit score. 5
  16. 16. Credit Card Debt Settlement Impact On Credit • Your credit score can initially be hurt and take a dip when you stop paying your credit card. • Once you've completed your debt settlement, your credit score will start to rise. • Credit experts estimate that your score will rebound in as little as 12 months after completing a debt settlement. • If you ignore your credit card debt, your credit score will continue to plummet. By completing a debt settlement, you have taken care of your debt and your credit score is on the road to increasing.
  17. 17. The Process Of Credit Card Debt Settlement Become credit card debt free with debt settlement. 6
  18. 18. Credit Card Debt Settlement Process 01 Contact Debt Attorney For FREE Consultation To Explain Your Situation 02 Learn Your Best Debt Relief Option And An Action Plan To Take 03 Debt Attorney Negotiates With Creditors To Lower Your Debt To An Amount You Can Pay 04 Resolve Your Credit Card Debt Problems And Continue To Live A Debt Free Life
  19. 19. Credit Card Debt Settlement Success Stories Learn about people just like you who found relief from credit card debt. 7
  20. 20. Credit Card Debt Relief Success Story 1 Our client owed Citibank in excess of $14,000. After sending several letters to various departments of Citi’s collection departments, they agreed to take the balance down to $0.00. That’s a 100% savings! This was the final account for our client and he is now heading into retirement debt free! 100% SavedReduced clients debt
  21. 21. Credit Card Debt Relief Success Story 2 Our client owed Capital One in excess of $10,000. We negotiated the balance down by 50%, with up to 24 months to pay off the balance of the settlement. 50% SavedReduced clients debt
  22. 22. FREE Credit Card Debt Resources • Read the Gamez Law Firm's FREE eBook – Ultimate Guide To Credit Card Settlement • We have a vast library of Credit Card Debt Blogs so that you can educate yourself on debt relief help. • Watch our Videos On Credit Card Debt Help
  23. 23. For A FREE Debt Consultation, Call 858-217-5051 or visit GamezLawFirm.com

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