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Debt Resolution Services
Welcome to Professional Debt Advisors, your first step on your path towards debt resolution and financial recovery.
We offer a FREE debt resolution analysis and a review of all of your options including but not limited to Consumer Credit Counseling with no obligation. We will not try to sell you on our program, but only to point you in the right direction.
Our goal is to analyze your financial situation and help you make an educated decision about your financial future. We are not here simply to enroll you in a program, but also to serve as a guide on your path to financial freedom. That means we will give you our honest professional opinion about your individual situation. If that means we have to recommend you to a company that would better be able to assist you, we will. We pride ourselves in our ability to educate consumers on their debt help options.
What is Debt Resolution?
The term Debt Resolutoin refers to a variety of different methods consumers can use to help reduce or eliminate unwanted credit card debt and other forms of unsecured debt. Some of the debt resolution options available include, but aren’t limited to:
Debt Consolidation Loans – A loan from a lender, bank, or other entity that you can get to pay off your other debts. Of course, depending on your credit, you may or may not qualify for such a loan. Provided you do, you would still have to repay the debt consolidation loan in full, plus interest.
Credit Counseling – A program offered where your payments are consolidated into one monthly payment and your interest rates may be reduced. You’ll pay the credit counseling company a fee for doing so and they will in turn disburse your payments to your creditors. You will still repay your debts in full plus interest and may still end up paying late fees.
Bankruptcy – A last resort measure, bankruptcy will eventually eliminate all of your unsecured debt… at a cost: ruined credit for 7 to 10 years. With bankruptcy laws growing stricter, it is becoming more and more difficult to qualify for a bankruptcy.
Debt Negotiation – Debt negotiation is a means to avoid bankruptcy while still repaying a portion of your debts. While it is not a positive for your credit, it is far better than a bankruptcy and can save you more money than credit counseling.
Home Equity Loan – If you have equity in your home, you could apply for a home equity loan and use it to pay down your credit card debts. It makes financial sense, as your equity loan will carry a lower interest rate than your credit cards. However, if you fail to repay your home equity loan, you could lose your home.
All of the above methods carry certain risks, and using them to successfully reduce or reolve your debt requires discretion and careful financial planning. Depending on your financial situation, certain debt reduction strategies might not be right for you. An experienced debt resolution company can help guide you and carry you through the debt reduction process so that you don’t end up in worse trouble than before.
Debt Resolution Service
At Professional Debt Advisors, we work exclusively for you, the consumer, to help eradicate your money problems and work out mutually agreeable settlements as quickly as possible. We do not work for the credit card companies or collectors, like most consumer counseling agencies, and we do not employ any methods that will lead to additional financial problems.
Our debt management programs focus on getting you out of your financial slump and helping you avoid bankruptcy. Debt settlement is often a much preferred alternative to bankruptcy, both for you and your creditors. When you declare bankruptcy, your creditors lose their money. A debt settlement, while reducing your debt and making your monthly payments more manageable, means your creditors will be able to collect at least a portion of the outstanding debt.
Our debt resolution services can make the process of negotiating with multiple creditors and bundling your debts into a single monthly payment a lot easier. Whether it’s personal or business debt consolidation, Professional Debt Advisors can show you how to get out of debt and how to stay out of debt in the future.
Professional Debt Advisors has collectively saved its clients millions of dollars and has assisted many people in regaining control of their financial freedom. Let us help you do the same. We maintain the highest of ethical standards and keep all of your information confidential at all times. With Professional Debt Advisors the client always comes first. If you have additional questions, visit our Q&A page for answers to the most commonly asked questions. Debt negotiation is not the best solution for everyone in debt. We will provide you with honest information to decide if debt negotiation or debt settlement is can benefit you. |
Debt Settlement - Straight Talk