Consumer Counseling, A Way Out Of Debt!

No Obligation Help, To Make You Debt Free!

Are you only paying the minimums on your credit card accounts? Have you looked at the statement to see how long it will take to pay the balance off? How much it will cost you in interest? Frightening isn’t it!

Want to find out how you can be debt free faster? At DebtConsolidation123.net we have the credit experts, plans and programs available to you right here with the click of a mouse!

Counseling Suited To Your Needs, Tailored To Your Life!

In this one size fits all world, wouldn’t it be nice to have a professional to whom you can turn to discuss your financial situation? You can! The network of credit debt consolidation counselors that will respond to your request will treat you with the respect and dignity you deserve. After filling out our simple information form through our SSL encrypted website you will be contacted by a financial expert who knows your situation and is prepared to help right away!

Our secure website protects your privacy and our proprietary real-time database will connect you with people who are prepared to help! They never ask for more information than they need and response is prompt, professional and scheduled at times convenient to you! The advice is free with no obligation to you. The plans and programs that can be worked out for you allow you to remain in control of the process at all times!

So, Give Me Some Examples, Please!

Programs and plans suggested by our professional credit counselor may include:

• Debt Relief….. negotiated reductions in interest rates and payments which save you money but keep you current
• Debt Management……..single monthly payment to a third party who distributes your available assets through a negotiated plan
• Debt Settlement…….a negotiated reduction of the debt coupled to a structured repayment schedule

Debt Relief

Debt relief is a negotiated reduction of your current interest rates, and payments. Though a consumer can do this for himself, our credit experts have many years of experience in negotiations of this type and may be able to obtain significantly better results than an individual might. The benefit here is more cash in your pocket! Lower rates mean smaller payments and you remain current so it has no impact on your credit report. It is important to begin this process before you fall behind or within ninety days of default.

Debt Management

Debt Management is a process in which you determine with one of our counselors what your actual financial situation is. Your monthly living expenses subtracted from your income provide the funds you have available to discharge your credit card, medical, bills etc. The counselor can then set up a single payment of this amount to a third part payer who distributes your available cash to the various creditors. While this approach may have some credit ramifications, it is preferable to a default that results in a lien or judgment.

Debt Settlement

Debt settlement is a negotiated reduction in the amount owed the creditor. It can sometimes be as much as 60% but is most often a figure between 40-50% In exchange for this reduction a structured payment schedule is agreed to which must be adhered to by the debtor or the agreement may be voided and the whole amount owed will be required. Debt settlement has the most negative effect on your credit but it is still preferable to a lien or judgment and when the balance is paid the account is considered closed.

DebtConsolidation123.net Is Your Web Connection To People And Programs That Can Make You Debt Free!

No counsel, program or plan can guarantee that the phone calls, letters and threats of legal action will cease. The counselors at DebtConsolidation123.net have connections within the financial industry and many years of experience. Their expertise will be of great benefit to you in working out a plan that is suited to your needs and tailored to your life. Avoid the calls, letters and threats of legal action get started right now!