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Is Debt Settlement For Me?

Debt settlement is a form of debt relief that can allow you to settle your unsecured debts for less. Just like other forms of debt relief, debt settlement comes with its ups and downs. How can you tell that debt settlement is the right choice for you? Here are a few reasons why debt settlement may be right for you.

What Can Debt Settlement Do For You?

Debt settlement can help resolve many financial issues that can surface due to being in debt. If you remain in debt for too long, it’s possible that the creditor might take legal action against you. Credit providers will look to the courts to collect on a debt, prompting actions like wage garnishment. Having a professional debt relief expert negotiating for you can help to avoid such negative outcomes.

Debt Settlement Helps Even If You Owe A Lot

Debt settlement can help you if you have an exorbitant amount of money owed to your creditors. Most debt settlement providers will only look to settle your debts if you have a combined amount totaling in the thousands (many times needing to be closer to $10,000 than not). If you suffer with large amounts of debt that stem from credit cards, personal loans, medical bills and other unsecured debts, then debt settlement may be the right solution for you.

Debt Settlement Can Help With:
Credit Card Bills
Medical Bills
Utility Bills
Private Student Loans

Debt Settlement Can't Help With:
Mortgage Payments
Auto Loans
Federal Student Loans
Lawsuits

Debt Settlement Versus Other Forms Of Debt Relief

Debt settlement can provide a great alternative to other forms of debt relief that might not be suitable for your needs. Debt settlement will not stay on your credit record for a decade like bankruptcy can. Debt settlement won’t attempt to force you into long winded program like some credit counselors are prone to do. Debt settlement won’t require your credit to be superb while still requiring you to pay you entire debt as you would with a debt consolidation loan.

 

Is Debt Settlement For Me?
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Completing a form on this site does not enroll you into a debt relief program. If you do enter into a debt relief program with Guardian, your program may last 24 to 48 months. Clients who are enrolled in a debt relief program may realize savings at the completion of the program including applicable fees. These figures are based on enrolled unsecured debts, and may vary depending on your individual debt relief program. Completion rate of the program is not guaranteed, and is based on the client’s ability to make timely monthly payments. There is no guarantee that we will lower your debt by either amount or percentage, or that you will be debt-free at any set time. We do not make monthly payments to creditors, take on consumer debt, nor do we provide credit repair services, or bankruptcy, tax, legal, or accounting advice. Contact a tax professional for tax advice and consequences of debt relief. Contact a lawyer to discuss bankruptcy options. Our debt relief services are not available in all states. Depending on your location, we may be able to recommend tax professionals or attorneys to assist you. Any use of the term “debt-free” or “debt freedom” on this site or by any Guardian representative, refers only to unsecured debt enrolled in our debt relief program—and does not relate to or promise any relief from secured debt and/or unsecured debt not enrolled in a debt relief program. Please understand the benefits and consequences of enrolling in any debt relief program, including potential negative credit rating impacts.
Lifeline Debt Relief, Inc. d/b/a Guardian Debt Relief.
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