DEBT SETTLEMENT OPTION

A Debt Management Plan (Also known as: Debt Consolidation, Credit Counseling, and Credit Card Consolidation) is a more traditional debt repayment option. With a Debt Management Plan, you pay back 100% of your principal debt with a large reduction in interest rates. Interest is commonly reduced by about half or more of what you are currently paying. You become free of debt in as little as 3 to 5 years. In Debt Settlement, the total amount of principal debt that you owe can be reduced by approximately 40-60% of the original debt.

Debt Settlement's usual approach is for you to completely stop paying your creditors. This typically results in a judgment or garnishment. Imagine the effect that has on your credit report and scores! Beware of these types of companies as most of them have an "F" rating with the Better Business Bureau. The ONLY time Debt Settlement is a successful option is when you are behind and you have a lump sum of money available to you.

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CAUTION! Beware of the settlement tactics that offer you an affordable monthly payment and promise to settle your accounts for 40-60% of your total debt over a three to five year time period. While participating in this type of process, your monthly payment goes into a side account. As your creditors are waiting for your side account to build up enough money to justify a settlement, the creditors are not getting paid. This frequently results in your creditors suing you. (Also, note that the majority of companies that offer this type of Debt Settlement have an "F" rating with the Better Business Bureau.)

The ONLY time Debt Settlement is a successful option is when you are behind and you already have a lump sum of money available to you.

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Debt Settlement can provide many benefits to consumers who have a lump sum of money to regain their financial footing and stability. Here are some of the benefits that clients enjoy through doing Debt Settlement with A+ Credit and Debt Help:

• Save thousands of dollars - Your creditors may reduce your outstanding balance(s) by as much as 50%, and lower balances means that you'll save even more in long-term interest and finance charges!


• Become free of debt faster - The experienced Debt Associate you work with will help you get results fast - an A+ Credit Associate will always keep you in the loop throughout the process.


• Reduce the Stress In Your Life - We know that you and your family are under an incredible amount of stress right now because of all of the debt that you owe. Working with your own personal Debt Associate throughout the process should help alleviate some of that stress. Knowing that an A+ Credit and Debt Help professional is on your team will bring you peace of mind. We are here to help!


• Help You Rebuild Your Credit - As part of our service, A+ Credit and Debt Help will help correct your credit reports to accurately reflect the payoff of your debt.
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We offer a FREE, no obligation consultation.

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An A+ Credit and Debt Help Debt Associate will contact your creditor(s) on your behalf to inquire about the possibility of settling your specific account(s). We will promptly notify you about the results of the creditor contact.

At this point, you will decide if you want to proceed toward settling with your creditor(s) or not.

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Most any type of unsecured debt can be settled. Following lists the debts that are most commonly settled.

• Delinquent consumer debt
• Delinquent credit card debt
• Slow or late payments
• Defaults
• Charge offs
• Collection accounts
• Accounts referred to attorneys
• Some old medical bills
• Old utility bills
• Deficiency balances
• Bank overdrafts (in collections)

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Prior to Debt Settlement, your accounts are already being reported as severely delinquent which has already lowered your credit score. Settled accounts and/or zero balances are seen as "positive" when compared to unresolved debts.

When considering Debt Settlement, make sure to compare the benefits against the drawbacks. For many, getting completely out of debt and getting life back to normal is well worth it!

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The amount of time that it takes to complete Debt Settlement depends on the following factors:

• How many accounts that you want to settle?
• How far behind in payments your accounts are?
• How long it takes your creditors to respond to an A+ Credit Debt Associate?
• How many contacts it takes for you and your creditors to agree on a settlement amount?
• How long it takes you to have the funds you have available to settle your debt?
• What your financial goals are?

Sometimes, Debt Settlements are reached and documented in as little as a few days.

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A. Contact us and we'll start TODAY!