Credit Card Debt Settlement

When looking for debt consolidation, easily the most effective approach is credit card debt settlement. It is an approach that has works for thousands of families across America every day, and can work for you. But, it is important to note that credit card debt settlement does not work for absolutely everyone. Some people simply do not qualify for the process.

Credit Card Debt Settlement Requirements

Despite what some firms in our field might tell you, credit card debt settlement is simply not a “one size fits all” solution. If it worked for everyone, the American consumer would simply be the most debt-free in the world. We know this is not the case by watching the news everyday. So who does it work for? As defined by our company, credit card debt settlement works best for people:

  • With unsecured debt levels (as in, not mortgage or car loans) above $10,000
  • Who have lost a job or had their pay cut so that they can no longer afford the myriad of payments which are due
  • Who have experienced a medical emergency which has meant lost wages or additional debt via medical bills
  • Who are frustrated because their debt balances never seem to go down, no matter how much above the minimum payment their monthly payments are

Typically, this does actually eliminate a lot of potential candidates from even considering the credit card debt settlement process at all. There still may be help available if none of the above scenarios apply to you, but it would have to occur in the shape of credit counseling, which is also offered by CCDC. But credit card debt settlement is a much more aggressive process for eliminating credit card debt, and it is important to be wary of firms which “automatically” accept you as a client if none of the above situations apply to you.

Find out more about the credit card debt settlement process by contacting our debt counselors here.

Defining The Process
At CCDC, we define the credit card debt settlement process in a very simple way. As professional debt negotiators, our counselors assess your situation, and determine the best route for negotiating with your creditors. Although it sounds contrary, losing a job recently actually can help your case, and provide you with a better “settlement” of your debts.

During this process, we keep in full contact with you, and provide you with progress reports. The typical CCDC client can save anywhere from 45% to 75% off of their total debt payments, and have any penalty fees and interest eliminated. This enables our clients to free themselves from debt within 2-4 years on average.

Don’t let your credit card debt spiral out of control. Get a free, no obligation consultation today.

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