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Legitimate debt relief advice


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After suffering from a poor credit report for years, Mark Clayborne went on a mission to study everything he could on restoring his credit. Concluding the extensive research, he repaired his credit report and learned various hidden secrets on how to improve a bad credit file. Because of this new found tested knowledge, Mr. Clayborne helped over a hundred consumers repair their credit and take their financial life back. Now, he wants to share these strategies with the world and as a result HIDDEN CREDIT REPAIR SECRETS was created which has sold over 1000 copies as of today. Mark is a certified credit consultant with over 100 articles written in the area of credit repair and a successful radio show titled “Who Else Wants Better Credit”, which is aired on Blog Talk Radio every Tuesday & Thursday at 7:30PM-PST. Mark educates his customers through articles, videos, his blog and various credit repair kits. He graduated from Virginia Commonwealth University with a Bachelor's Degree in Criminal Justice. He also holds a paralegal diploma. He currently lives in sunny California with a beautiful wife and lovely daughter.

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Legitimate debt relief advice

  1. 1. PresentsLegitimate Debt Relief Advice
  2. 2. Debt settlement is a good way for you to save thousands or hundreds of dollars, stop the creditors, collection agents, and attorneys from harassing you, and cleaning up your creditreports. Nevertheless, before you enterthis game, there are five tips/questions you should ask yourself before the start of negotiations.
  3. 3. Debt settlement advice tip - Question 1 - Can I record the conversation with the creditor? Yes, and no; it depends on your statelaws. If your state is a one party state, then you do not need the creditorspermission to record the conversation because you need only one persons authorization, and that is yours. In a two - party state, you do need the creditors permission to record the conversation. See your state laws on recording conversations over the phone.
  4. 4. Debt settlement advice tip - Question 2- Should I document my contact withthe creditor?Yes, always document and keepcorrespondences between yourself, thecreditor, and the collection agency.Furthermore, keep all letters andenvelopes from the creditor as theenvelopes show the dates they weresent. Documentation is needed in caseyou have to go to court and prove tothe judge that you tried to settle thedebt.
  5. 5. Debt settlement advice tip - Question 3 - How many creditors or collection agencies should I deal with at one time? Settle with each creditor or collection agency one at a time. For example, find outhow much you owe on the first debt, then call them up or send a settlement letter. Once you have negotiated a deal, start with the second creditor. If you call up multiple creditors at one time, you may run out of money to settle your debts.
  6. 6. Debt settlement advice tip - Question 4 - Should I write or call?When dealing with the original creditor,you should call them because they arenot as cold as the collection agencies. Moreover, send all settlement lettersvia certified mail with return receipt to collection agencies as they have ahabit of not honoring their agreements.
  7. 7. Debt settlement advice tip - Question 5 - What should I say?Contact the creditor by phone and ask them for the customer servicedepartment. Dont admit that the debt is yours, or you can restart the state statute of limitation. Politely provide them with your account number andinquire whether their company of fers settlements. Keep your conversation short and straight to the point.
  8. 8. In summary, remember the following key points: recording the conversation if youstate allows it, documentation is crucial as it servers as proof of your contract, always deal with one old debt at a time, startnegotiations of f with a call or in writing, and know what to say over the phone. Now that you are empowered with more information, go out there, and take action.
  9. 9. If you are ready to say goodbye to credit rejection and debt collectors, visit hiddencreditrepairsecrets.comand sign up for the Free 8-Day E-Credit Repair Course, and claim your Free Gift-60 minute Podcast on Rebuilding Your CreditHiddencreditrepairsecrets.c om