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Over $100,000 In Debt -- Now Debt Free Without Claiming Bankruptcy
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  1. 1. ==== ====READY TO TAKE CONTROL OF YOUR FINANCES? ====When considering the best debt relief I can get, a frequent question asked is how much I willsave?I found most debt relief companies simply cant a question like this as they may have insufficientlong term experience, or their record of success is not consistent enough.When searching for the best debt relief company in the USA, Puerto Rico or Canada do ask yourchoice this question how much could I expect to save as the reply you get will be a good indicationof their experience and success in negotiating debt relief for their clients.To get a reasonably accurate indication of what you may save you will need to give the companysome information, like what the total amount of your unsecured debts are, your income and otherdetails the Counselor may need.You should now get an estimate of much you could expect save, and compare this to how muchyou would be paying if you just keep paying the minimum monthly amount and do nothing aboutarranging to have your debts negotiated and settled in a timely fashion.In addition to this you should expect the counselor to discuss with you the different debt settlementplans they have, and be given advice on which would be best for you.In my previous articles I frequently stress the fact to get the best debt relief possible it is importantthe company you choose is able to give you an unbiased evaluation like this, and only companieswho are well experienced and very successful in negotiating debt with creditors are equipped toget the best results so you get out of debt quickly as possible.It is also essential their fees are commission based because this way you pay on results, ratherthan costs, and this really is the fairest way for both parties.I say this as when investigating debt relief companies looking for the best I found companies whohad let many of their clients down, some very badly to the stage of forcing them into bankruptcy.When searching for debt relief company do consider the following:A company with an excellent track record will have gained the trust and respect of creditors theyfrequently deal with and this is a vital factor in getting the best debt relief they can for their clients.Generally the company will require your unsecured debts to total $10,000 or more, so excludemortgages and car loans as these will be secured loans.
  2. 2. Unsecured loans are mostly credit card debt, and other types of unsecured debt.The company should be a member in good standing with the BBB, and be a member of otherrecognised debt relief organisations.They should also be able to give you reference to a considerable number of independently verifiedtestimonials from clients.A guarantee of satisfaction really needs to be part of the agreement and my advice is have this inwriting.Choose the company to act for you very wisely as you are in fact trusting them to get you the bestdebt relief deal, and the result could have a major positive or negative influence on your futurefinancial status.Having done this your next step is to:Make a list of your unsecured creditors, and the amounts owing.The total needs to be $10,000 or more.Make a list of questions you would like answers to.Visit their website and arrange to speak with a Counselor. You should be able to do this either byonline chat or free phone number, or make a website inquiry for an appointment.Another Question which for many is really scary is can creditors garnish my wages?The short answer here is if you dont do anything about your debts then the creditors may well beable to garnish your wages.The associated problem is your employer will know you have financial difficulties and dependingon your job or position this could be very embarrassing, or even detrimental to your position.Many people ask this question as pushy creditors and debt collectors are well known to use thisthreat to scare people into paying them, and will think nothing of consistently phoning you all hoursof the day and night.A solution here is again to search the web for the best debt relief company and arrange to speakwith a Counselor. Their website should have a free phone number or online chat, or allow you tomake a website inquiry to arrange an appointment.You can expect these calls to be totally confidential, and if a wage garnish order is a concern tellthe counselor who should then look at ways of legally protecting you from a garnish order, and puta stop the creditor harassment you have been getting by instructing the creditor or creditors that allmatters concerning your debt must come to the debt relief company, not to you.This by itself is a huge relief to most people.These are two more reasons on how a well experienced and professional debt relief company can
  3. 3. help you with financial protection, peace of mind and get for you the best debt relief possible. Theiraim will be to arrange a plan to get you debt free quickly as possible within your budget.Bruce has a wealth of experience in successful business management, development andmarketing, including credit and debt administration and control. He has been self employed foraround 40 years and has always made his own way in the world.In 2009 I investigated 17 debt relief companies searching for the best one in USA and Canada,and rated them on a list of essential criteria a debt relief company should have.For more information on my #1 choice best debt relief company again for 2011 please click here or visit my blog Source: ====READY TO TAKE CONTROL OF YOUR FINANCES? ====