Working from 9 a.m. to 5 p.m. does not always cut it when you are struggling to pay off credit card debt. And for many people, there is not always enough time, energy, or availability to get second or third jobs. Luckily, there are plenty of ways to make some extra income that will help you experience unsecured debt relief and stress less when it comes to your finances.

Find out how our debt settlement company can help you find the debt relief method that is perfect for getting your unique situation.

Sell Your Old Stuff

One of the most tried and trusted ways to pay off debt is to go through your home and find a bunch of old stuff that you can sell. The best way to do this is to take a weekend to browse and organize all of the rooms of your home, taking out non-essential items you rarely ever use. Get them all cleaned up and either host a yard sale or take photos of the items and try to sell them online through Facebook or various apps.

Join an App to Complete Random Tasks

If you have a little extra time one afternoon or nothing to do the next few weekends, it is the perfect time to earn a little extra money to pay off credit card debt. With apps like TaskRabbit, Handy, and OfferUp, you can put yourself on the market quickly and easily to help people complete things on their to-do lists. You can provide services like house cleaning, dog walking, fixing smartphones, tutoring, walking dogs, picking up groceries, and much more. The best part is, you have some control over your workflow, so you can always increase or decrease the number of jobs you take on, depending on how much extra time you have and your credit card repayment amount.

Become a Nanny

It may not be one of the most fun ways to pay off debt, but being a nanny will definitely pay the bills. Per Payscale, the average salary for nannies is around $14 per hour, which means that, even if you only do the job part-time, you can make plenty of money to pay off several bills. Plus, depending on the family you work for, you can spend some of the time as a nanny exploring the city, eating great food, or even having extra time to yourself after the kids go to bed.

Get Gigs on Craigslist

Craigslist is loaded with offers, whether they are for cheap products to help you save money on things you need or for gigs that will help you pay off credit card debt. There are often plenty of temporary jobs listed that will help put a little extra change in your pocket, including writing jobs, photo shoots, cleaning houses or businesses, and much more.

Promote Businesses

While it may not be easy to become an Instagram-famous product sponsor, there are plenty of other ways you can get paid to sponsor businesses. If you have your own company from home, you could consider getting business sponsors and offer to put their logos and other information on your documents and various products. You could also consider joining an advertisement service where you keep a business’s advertisements on your website, social media, or even your personal items. One service, for example, will pay you to put a business decal on your vehicle that consumers will see during your regular commute.

Get the Help You Need Today

No matter your skill set, there are plenty of options available to ensure that you pay off your credit card debt in a timely manner. Contact Liberty Debt Relief today to find out how our committed debt consultants can help you come up with a solution that provides long-term results and changes.

If you are ever low on funds, credit cards are a great backup for emergencies, right? While this may be somewhat true, credit cards also pose a dangerous threat to many people’s situations, especially if they are unable to pay back the money they spend. Luckily, there are steps available to make sure that credit card debt repayment goes smoothly. Follow Liberty Debt Relief’s outline and you will pay off your credit card debt and be on your way to brighter financial days in no time.

Write It All Out

The best way to get out of debt is to take the time and look at all of the financial statements available for all of your accounts. Start by looking at the financial statements for the past three to six months for all of the credit cards you owe money on and categorizing all of the expenses — groceries, restaurants, bills, shopping, and anything else. By doing this, you can get to the root of your debt and see where you can cut costs. If you find that you are spending a few hundred dollars on eating at restaurants and getting coffee every month and very little on groceries, for example, you can make it a monthly financial goal to spend more time cooking and making coffee at home. This one simple move can end up saving you hundreds of dollars.

Check Your Budget and Plan a New One

Once you know how you tend to spend money every month, you can start planning a new budget to pay off debt. Other than switching from restaurants to cooking, there are plenty of ways to save money. To plan your budget, start by writing out what your expected income is every month and make sure to include money from part-time jobs or financial assistance programs. Then, make a list of all your top-priority expenses, including utility bills, rent or mortgage, car payments, and insurances. After marking down those expenses, you can play around with the numbers to figure out how much you can spend on gas, groceries, personal care, shopping and of course, paying back your debt.

Budgeting is one of the most important steps for successful debt repayment. In order to change your financial situation, you have to change your financial habits. When making a new budget, make sure to designate a portion of your income strictly toward paying back debt. How much you set aside, of course, depends on how much you owe and your income.

Find the Process that Works for You

Now that you have a plan to use a certain portion of your budget towards debt, you have to figure out how you want to divvy that money up between your accounts. If you are just looking to pay back debt for one credit card, then you can simply allocate all of that budget portion towards the single card. If you are dealing with multiple credit card debts, however, then the best way to get out of debt is by figuring out how much you owe to each account and the interest rates and fees associated with each one.

There are many different debt relief strategies you can employ to accomplish this. Some prefer the snowball method, in which you put most of your money towards the debt you can pay off first. If credit card A has a $1,000 balance with an 11% interest rate, credit card B has a $3,000 balance with a 12% interest rate, and credit card C has a $4,000 balance with a 15% interest rate, you would choose to spend the majority of your debt budget to paying off credit card A first. Others prefer paying off accounts that can do the most damage first, in which case you would spend the majority of your budget on credit card C. You could also simply divide the money equally between the accounts.

Write Out Goals that Will Motivate You

Regardless of which debt repayment method you prefer, the key is to stay motivated. Try making smaller goals that you know are attainable. Instead of worrying about paying off credit cards A, B and C all at once, for example, make it a goal to pay off credit card A within six months, B within a year, and C within two years. If simply making payments has been a struggle for you in the past, you could aim to make your payments on time and in full every month. And when you do reach these goals, it is always important to reward yourself. That reward does not have to be anything expensive, but you could treat yourself to a night out, a new restaurant you have been wanting to try, a book you have been dying to read, or even an article of clothing you constantly pass on your way to work.

Having these smaller goals and rewarding yourself for them will only make you more motivated to get out of debt. Finances do not have to be a stressful burden, they can be an exciting tactic that pushes you toward bettering yourself all around.

Get Started on Getting Out of Debt

The most important thing to understand about getting out of credit card debt is that you do not have to go on this journey alone. Liberty Debt Relief’s debt consultants are always available to answer any questions you may have about your situation and educate you regarding how you can get out of debt most efficiently. Contact us today and start securing your debt-free future.

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 harassment. Luckily, there are a few tips and tricks we at Liberty Debt Relief suggest that can help reduce some of this harassment and allow you to deal with debt collectors in the most effective way possible.

Keep a Record of the Calls

While it is totally legal for debt collectors to contact you regarding your debt, they are not allowed to continue doing so if you tell them to stop or to call you at all hours of the night. When you start looking at how to deal with debt collectors, the best place to start is to track when they call and what the conversations entail. If it seems like the contact is irregular or abusive, you can report the call logs to a state agency or the Better Business Bureau.

Discuss the Situation

While too many calls may seem obnoxious, you cannot completely ignore every single call from credit card collections and expect the problem to go away. You have to talk to the debt collector at least once. When you do so, discuss your financial situation at length and make sure to find out how much you owe and to whom. This will help establish a line of trust and credibility so you can get back on track.

Don’t Provide Personal Info

Despite what many collectors may tell you over the phone, you do not have to provide them with your personal cell phone, work phone, or the names and contact information for any of your friends. The only information they have to have is your name and a way of sending you notices by mail if you do not want them calling you. If they insist on any other information, make sure to log their request, especially if they are persistent.

Seek Assistance

If you are ever unsure about how to deal with calls from debt collectors, the best thing to do is ask for help. When you contact Liberty Debt Relief, for example, we may be able to actually speak to your creditors and negotiate the total amount of debt you owe. Once they see you’re making an effort to pay off your debt, the calls may stop. When it comes to your finances and your future, having a helping hand can often give you the leverage you need to make positive changes.

Every year, millions feel like they are practically drowning in unpaid debts. Between the high and only increasing costs of housing, transportation, and other necessities, it can seem almost impossible to reach any financial high ground. With debt settlement, however, people can get some help and make their way back towards fiscal safety. While negotiating credit card debt during the settlement process, there can be much confusion about what actually happens to the money you owe and the interest and late fees gathered on your account. Liberty Debt Relief has the answers you need to be confident in your new debt relief plan.

How It Works

Before you can understand what happens to your interest rates and late fees on your debt accounts, it is important to know how debt settlement actually works. The debt relief consultant with whom you work will speak to you about your situation, budget, and ideal outcomes before starting debt settlement negotiations on your behalf. They will explain to your lenders all about your financial hardship, which will demonstrate to the lender why you are truly unable to make payments and may entice them to settle for a lower balance.

Compared to the average time it takes to pay off debt, which is usually more than 10 years, debt settlement is usually resolved pretty quickly. Most of the time, people complete their debt settlement programs in under five years.

Understanding Late Fees

Because negotiating credit card debt begins with your financial hardship and possible delinquent status, it is extremely likely that you have already received notifications and statements regarding late fees. These fees can range from just a few dollars to a hefty amount every month. It is also probable that the collection calls have already started and less and less of your monthly payments are going towards your premium.

In most cases, your debt consultant may be able to actually absolve these fees completely during the negotiations because your lender is more concerned about receiving a lump sum for the largest part of your debt rather than a few hundred dollars of fees.

Know Your Interest

Debt settlement negotiations go through many fine details regarding your finances. One of the many questions people often have first is what will happen to the interest rate on their outstanding balance. For many people, the account they are looking to settle has a rather high rate and, for every month that goes by without a payment, a few hundred dollars can be tacked onto their account. This is understandably scary and stressful, but that interest accrual may also be absolved during the negotiation process.

Similar to the situation with late fees, your debt relief consultant will also seek to dismiss interest charges on your account when it comes time to strike a deal. If you decide to pay off the settlement in a single payment, there is a good chance that will you only have to pay a fraction of the interest accrued throughout the negotiation process. Those who find it better for their situation to make monthly payments on the settlement will also see positive results, as your specialist will usually be able to significantly reduce the interest rate on the amount owed during the repayment terms. This will not only ensure you have lower monthly payments but also that you are subject to an interest rate you can actually afford.

Have Faith in the Situation

When it comes to negotiating credit card debt, it is always important to simply have faith in the process. So long as you rely on a reputable debt relief company such as Liberty Debt Relief, you can trust that the person you are working with has years of experience and will always do their best to make sure you get in the healthiest financial situation possible. Contact us today to meet with a consultant and start settling your debts so you can secure your finances for good.

Debt is a looming presence in just about everybody’s life. With prices of everyday items and the cost of living continually increasing, it can seem just about impossible to avoid a financial crisis. For those who are already experiencing financial issues, those worries can quickly turn into fear of losing just about everything. The good news is, you do not have to let that fear become a reality. A credit card settlement with us at Liberty Debt Relief may be the perfect way to get out of debt and avoid potentially losing all of your assets in the process.

No Need for Bankruptcy

One of the top benefits of choosing to settle your debts is that you can completely avoid filing for bankruptcy. Bankruptcy should always be the last resort in any financial crisis because along with destroying your credit score, it can also force you to lose your home, car, investments, and many other valuable assets.

Understanding how to protect your assets starts with one simple rule — get help from a trustworthy and reputable expert as soon as possible. By doing so, you are setting yourself up to get one-on-one assistance that helps you get out of debt in a way that works for you. Pursuing debt settlement will convert all of those outstanding expenses into a single owed amount that you can pay off in a way that suits your income and other needs, so that you can spend less time worrying about losing your home and more time staying positive about your path to get out of debt.

Set a Budget You Can Handle

One of the primary reasons people end up losing all of their assets when they get into a financial crisis is that they hear or read that liquidating their most valuable items is a quick and easy escape. The truth is, however, that liquidating the items you love the most is not always necessary. By taking part in credit card, loan, and other debt settlement, you can pay back all of your outstanding balances in a way that works best for you.

The beauty of debt settlement programs is that they create custom payment plans that are scheduled to fit what you can afford. If you use a reliable company, such as Liberty Debt Relief, an expert will even work with you one-on-one to find out what numbers are ideal and will then negotiate those terms with your lending companies. Not only do you get peace-of-mind knowing that you can keep the home you love and the car that you need to get back and forth to work, but you never have to worry about dealing with harassing phone calls or uncomfortable negotiation conversations. We handle that for you!

Get Out of Debt for the Long Haul

The possibility of losing valuable possessions is enough to drive anyone crazy. Choosing to take part in credit card settlement allows you to avoid that mentality because it provides you the opportunity to not only get out of debt for the time being but learn how you can better manage your financial situation for the future. Changing the way you think about saving and spending could possibly prevent you from getting into debt again so that you can protect your assets for decades to come.

With a debt settlement plan, you do not have to pay back the thousands of dollars you owe at once or feel pressured to sell everything you own, as your debt repayment is negotiated based on your needs and those of your lenders. You will also learn valuable lessons along the way, including setting more efficient budgets and how to avoid accruing outrageous interest fees over time.

A Plan that Works for Years to Come

Choosing to begin a credit card and debt settlement negotiation is possibly one of the greatest things you can do for you and your family’s financial future. Along with avoiding losing valuable parts of your life to bankruptcy, such as your home and savings, it provides a sustainable peace-of-mind that you can carry into your relationships and your future finances.

The best way to secure this stress-free solution is to speak with a Liberty Debt Relief financial specialist today.

Debt is no joke, and when it comes to dealing with other companies and lenders, avoiding it seems nearly impossible. Some debts are simply unavoidable, such as medical bills and car loans, while other have a little more variability, such as credit cards and personal loans.

Regardless of what kind of debt you are in, however, there comes a point in just about everyone’s life where they find themselves requesting the help of debt negotiators to help limit their outstanding balances. Not every company or lender is as flexible with their negotiations as the next one, but in general, here is a breakdown of how lenders will work with you and experienced companies like Liberty Debt Relief.

Hospitals — Yes!

Believe it or not, hospitals have specific people in place to act as debt negotiators. Similar to credit card companies, at the end of the day, hospitals want to get paid as much as they possibly can by patients without having to render services through a third party collector. There are also thousands of recorded instances that entail a medical facility overcharging or wrongfully billing someone for medical services. Those fees can come from planned (but not performed) procedures, coding errors, or simply just misprinting information. It is always crucial to carefully sift through medical bills to make sure everything listed for pending payments are actually services you received.

Many hospitals and other medical facilities may reduce a patient’s medical bill by several hundred dollars if the patient simply asks for (and provides documentation of) wrongful charges. As expensive as medical procedures and services are, there are countless people every year who cannot afford medical attention, especially when it is unexpected, and most medical offices understand that. If you choose to use a debt settlement service, the amount you owe can likely be even further reduced by several thousand dollars with no interest.

Credit Card Companies — Yes!

Credit card companies tend to offer a lot of leeway when it comes to your accounts. Most of the time, they simply want any kind of payment for the amount they have lended you. This is often the lender that consumers and their debt relief companies will call first because they are willing to work with you on setting up a payment schedule and interest rate that works best for both of you. Many people find that credit card companies will negotiate debt and minimize the amount they owe by as much as 50 percent of the original cost!

Car Dealers — Somewhat

Trying to get a car dealer to say they will join your credit card companies and debt negotiator to settle your debt is not always simple. Many dealers have very specific rules depending on the state the loan is based in and what the loan agreement entails. However, all car loans offer an option to pay off the total amount you owe, which you can use to your advantage.

The payoff quote is usually a few hundred or thousand dollars less than what you would owe if you continue making payments through the duration of the loan and can save you thousands of dollars in interest rates. The quote is usually available online or by calling the dealership.

Payday Loan Creditors — Not Typically

Payday loans can make a tough situation even worse for millions of people every year. Payday loan creditors pride themselves on offering unsecured loans to just about anybody who has a job and a checking account, but the downfall is incredibly high interest rates and excessive fees that can turn a small loan into a high one within weeks. This specific kind of creditor is also notorious for not working very well with inexperienced debt negotiators, which can make escaping these creditors even more difficult. Your best bet when dealing with any loan creditor is to refrain from trying to take care of it yourself. The more experienced help you can get, the better your finances will be in the long run.

Dig into Research

When it comes to debt, every company and lender has its own rules and procedures. Before you ever sign a contract for any kind of loan or service, make sure to read the company or lender’s policies and procedures for dealing with outstanding debt. Keeping a record of this will help you stay on track with making your payments. If you happen to need a negotiation, contact Liberty Debt Relief today to get the best team of debt negotiators on your side!