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Credit Card Debt Negotiation

Settle your debt and get a fresh start with credit card relief, debt settlement and negotiated terms yielding debt freedom. We are a debt relief company that specializes in credit card debt elimination with financial alternatives to bankruptcy.

Some creditors, especially contractors and subcontractors and the IRS, can file a lien on your property. A lien is a court order that gives the creditor an interest in a piece of some real property you own such as your home. When you sell the property, the creditor will be paid what he or she is owed out of the proceeds of the sale. Once a lien has been placed against your property, the only way to eliminate it is to pay or reach a settlement with the creditor. If it is the IRS that filed the lien, be sure to get a Certificate of Release of Federal Tax Lien when you do pay it off.

Negotiating debt with a creditor is a foreign language to most consumers. In some cases, you won't need to hire or talk to a debt settlement company or lawyer to settle your debt for less than you owe. Debt settlement does leave a bad mark on your credit, but the damage is not nearly as severe to your credit rating as what bankruptcy on your reports would be. Debt settlement can only stay on your reports for a maximum of seven years. Bankruptcy can stay up to 10 years.

Creditors will generally report a debt settlement as "Settled" or "Paid in Full for Less than Full Balance" on your credit report. But, you could end up getting that completely removed from your credit report after a while because the creditor does not HAVE to leave it there for the full seven years. The seven years is the maximum amount of time that derogatory information is allowed to stay. If the creditor or collector chooses to have the item removed before the seven years is up, they can legally do that.

If you're in a situation where the creditor won't negotiate with you, it may be time to seek professional advice. "Most creditors have heard every sad story in the book and are forced to be pretty hard-hearted," says Mike Whitten, senior counselor at the nonprofit Consumer Credit Counseling Service of Mid-Oregon in Eugene . "Having an impartial third party negotiate for you often gets results. Sometimes creditors will lower the interest rate on a loan just to show support for the debtor and to assure that payments are on time."

Can I negotiate the debt myself?

While you can negotiate the debts yourself and possibly enjoy a measure of success, it's best to leave debt negotiation to the professionals. Credit card debt settlements are best achieved when the creditor's standard operating procedures and formats are followed. Professional debt management firms know what to say and what constitutes a good settlement. Plus, it's very common for debt collectors to try various industry tricks and sometimes outright fraud in order to get you to pay your debt in full.