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person looking over their credit score

Understanding What Your Credit Score Means How It’s Calculated

Whether you are applying for a new house or apartment, a loan at the bank or a department store credit card, one of the first things a creditor will ask for is your credit score. For many people, understanding credit scores can seem pretty daunting,…
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Credit Delinquency & Other Financial Features of Many Debt Settlement Clients

Every year, thousands of people get into a situation where their credit score and debt total has reached a delinquency status. Months of built-up credit card balances, utility bills, and other unpaid statements is a common scenario for people…
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person on a cell phone

How to Deal with Calls from Credit Card Collections in a Productive Manner

When people get into debt, it is far too common that, within a few short months, they get bombarded by calls from credit card collections. For many people, that seemingly endless stream of phone calls can border on or transition entirely into…
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woman standing on a mountain

5 Tips for Avoiding New Debt This Year

A new year is a new start to achieve your goals and steer your life in the direction you want it to go in. For the millions of people in the U.S. who owe money on loans, credit cards, medical expenses, or other lines of credit, a great goal…
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What Are the Most Common Types of Debt for Your Age Group?

With debt being such an overwhelming subject to deal with, it can be easy to forget that it is a problem that impacts millions of people every year. Whether you are a relatively new borrower at only 18 years old or have maintained a well-seasoned…
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Why You Shouldn’t Negotiate Debt Settlement Without a Debt Specialist

The millions who deal with debt every year tend to have the same general story -- it started with only a couple purchases on a credit card or a single loan and, before they knew it, they owed hundreds of thousands of dollars to a list of businesses.…
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*ALL FEES CHARGED TO CLIENTS ARE COLLECTED ON CONTINGENCY. NO FEES ARE CHARGED UP FRONT. FEES UP TO 25% OF THE DEBT ENROLLED INTO CLIENTS MONTHLY PROGRAM WILL BE COLLECTED AFTER DEBT IS SETTLED AND/OR WORK IS COMPLETE. ---- *CLIENTS WHO MAKE ALL THEIR MONTHLY PROGRAM DEPOSITS PAY APPROXIMATELY 70-75% OF THEIR ORIGINAL ENROLLED DEBTS OVER 24 TO 60 MONTHS. NOT ALL CLIENTS ARE ABLE TO COMPLETE THEIR PROGRAM FOR VARIOUS REASONS, INCLUDING THEIR ABILITY TO SAVE SUFFICIENT FUNDS. OUR ESTIMATES ARE BASED ON PRIOR RESULTS, WHICH WILL VARY DEPENDING ON YOUR SPECIFIC ENROLLED CREDITORS AND YOUR INDIVIDUAL PROGRAM TERMS. WE DO NOT GUARANTEE THAT YOUR DEBTS WILL BE RESOLVED FOR A SPECIFIC AMOUNT OR PERCENTAGE OR WITHIN A SPECIFIC PERIOD OF TIME. WE DO NOT ASSUME YOUR DEBTS, MAKE MONTHLY PAYMENTS TO CREDITORS OR PROVIDE TAX, BANKRUPTCY, ACCOUNTING OR LEGAL ADVICE OR CREDIT REPAIR SERVICES. OUR SERVICE IS NOT AVAILABLE IN ALL STATES AND OUR FEES MAY VARY FROM STATE TO STATE. PLEASE CONTACT A TAX PROFESSIONAL TO DISCUSS POTENTIAL TAX CONSEQUENCES OF LESS THAN FULL BALANCE DEBT RESOLUTION. READ AND UNDERSTAND ALL PROGRAM MATERIALS PRIOR TO ENROLLMENT. THE USE OF DEBT SETTLEMENT SERVICES WILL LIKELY ADVERSELY AFFECT YOUR CREDITWORTHINESS, MAY RESULT IN YOU BEING SUBJECT TO COLLECTIONS OR BEING SUED BY CREDITORS OR COLLECTORS AND MAY INCREASE THE OUTSTANDING BALANCES OF YOUR ENROLLED ACCOUNTS DUE TO THE ACCRUAL OF FEES AND INTEREST. HOWEVER, NEGOTIATED SETTLEMENTS WE OBTAIN ON YOUR BEHALF RESOLVE THE ENTIRE ACCOUNT, INCLUDING ALL ACCRUED FEES AND INTEREST. C.P.D. REG. NO. T.S.12-03825.