In fact its a common question that is frequently asked. While debt settlement ranks low on the list of desirable debt solutions its one you might consider if youre out of options and on the brink of filing bankruptcy.
If youve been using your credit cards as a financial lifeline its now catching up with you and you want to know how to get credit card debt relief here are canadian options plans programs solutions and advice in short straight answerswhen your credit card debt is so high that it doesnt feel like the minimum payments actually pay.
Card credit debt negotiating offer settlement. If youve found yourself reading this the odds are good you want to know how to negotiate a credit card debt settlement. There is definitely more to consider than lower monthly credit card payments when you compare the benefits of a debt management plan with a credit counseling service vs a debt settlement program. Its often possible to negotiate terms interest rates and payments on credit card debt.
A credit card debt settlement program is often referred to as debt negotiation debt reduction debt resolution or simply debt settlement. Once your credit card debt is negotiated the creditor will send a debt settlement letter indicating that. One way to resolve your credit card debt or other debt is to enlist the help of a debt settlement company.
The steps you take and the options available will depend on your situation and on the credit card company that you are dealing with. Debt resolution companies often are experienced at negotiating with creditors and may have relationships with major creditors specifically credit card companies. Have a debt of approximately 17k with citibank credit card 162 days past due.
Ive talked to them repeatedly about inability to pay even offered settlements but they wont budge. You can also try to negotiate a settlement of the amount you owe. If youre tired of the anxious feelings and precarious payments youll need to learn how to quickly pay off credit card debt.
My goal is to give you some basic information about the process. Personal debt consolidation loans. Credit card debt can weigh heavily on your shoulders and wallet.
Credit card debt settlement is a way of dealing with your credit card debt by paying less than you actually owe. Personal loans charge simple interest as opposed to credit cards which often have variable rates and sometimes have different rates for a credit card balance transfer and purchases on the same card and they typically have a loan repayment term of three to five years. Its a form of credit card debt relief that reduces the principal balance on your credit card debt by negotiating with your credit card companies.
How to get credit card debt relief in canada. Realize that you are not alone in this endeavor.
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