Your Options

Life can throw you some curve balls. When you find yourself in serious debt, it can be overwhelming. In some ways, it doesn’t matter how you got there—unexpected bills, poor planning, bad luck—they all happen to the best of us. But what you need to do now is get your life back on track by getting out of debt.

There are essentially three options for getting yourself out of serious debt. Debt Negotiation, Debt Consolidation, and bankruptcy. Each offers some real advantages, depending on your situation. Each is also complicated enough that you need professional assistance to undertake them in a way that will help you the most. Following is a quick description of each program, which you can use to determine what will work best for your personal situation.

Debt Negotiation

Debt Negotiation, which is also known as Debt Reduction or Debt Settlement, is a service that helps people with debt problems become debt free.

The process works by accumulating the monthly payments you would normally pay to your creditors into a personal account. The monthly payment you put into this account will be lower than the combined payments you were making to pay all of your monthly bills. As money accrues in your account, the Debt Negotiation company uses the money in your account to settle your debts for 50%—70% of what you owe. After your creditors settle, you no longer owe them anything. The Debt Negotiation company also handles all contact with your creditors, so no more harassing phone calls or letters.

The benefits of Debt Negotiation: avoid bankruptcy, save thousands in interest, be debt free in 12—36 months, and reduce credit card debt by up to 60%. And there is no up front charge, so you’ve nothing to lose!.

Today, Debt Negotiation is one of the most common ways to settle debt. YourCreditCompany.com and our trusted affiliate can lead you through the process so it’s easy and hassle free.

Learn More or Sign Up for Debt Negotiation Now!

By clicking on the link above you acknowledge and agree to the privacy policy and terms of use provided by YourCreditCompany.com.

Debt Consolidation

Save money by pulling debt together. It’s easy to find yourself paying 20 different bills in one month. The problem is, that’s not in your best interest. By consolidating debt, you can lower the total amount paid out and save money in interest fees.

There are a number of ways to achieve debt consolidation. One smart option is to use the equity in your home as security. This can be done by re-financing your primary mortgage, or it can be done through a second mortgage. Both have distinct advantages. If you’re not a homeowner, or if you prefer not to take out a loan that uses the equity in your home, a personal loan is a good option. A personal loan can be for up to $15,000. A personal loan does not need to be secured, such as with a car, although homeowners can be considered for an unsecured loan. Young people just establishing credit might also qualify with an appropriate co-signor on the loan.

YourCreditCompany.com guides you through the best type of debt consolidation loan for your situation. We offer counseling on the best option, which can be especially tough to discern in this volatile market. Our goal is to get you in a better financial place, and we’ll make it as simple and painless as possible.

Learn More or Apply for Debt Consolidation Now!

Bankruptcy Assistance

When facing bankruptcy, your first action should be to determine the best solution for you both now and in the future.

YourCreditCompany.com has in-depth information on all your options, including the U.S. Bankruptcy Code and how it can both help and impact you. Through our free, no-obligation initial call, we can help you determine if bankruptcy is right for you, and if so, if you should file for Chapter 7 or Chapter 13 bankruptcy. They come with different forms of protection and long-term affects, so it’s very important to make sure you’re choosing the one that will help you the most.

Once you’ve talked with our experts to determine what’s in your best interest, our professionals will help you work through the system and turn the corner on financial distress—and allow you to enjoy life again.

Learn More or Apply for Bankruptcy Assistance Now!