The Solution to Overwhelming Debt

We have seen thousands of different reasons for being in debt:

  * Job Loss

* Illness

* Divorce

* Death in the family

* Financial Crisis

 

Regardless of how it happened, if you are over your head in debt, the mental toll can be debilitating.

Dealing with demanding creditors and trying to keep up with monthly payments can be rough. Too many people are overwhelmed by their debt, especially when confronting that they may be spending the rest of their lives just paying interest to banks for the use of their credit cards.

YOU CAN GET OUT OF DEBT AND THERE IS A SOLUTION!

You CAN reduce your monthly payments and principal debt!

Speak with a professional debt counselor and learn the facts about how you can dramatically reduce your credit card debt, without filing bankruptcy.

There is no cost and no obligation, and a professional debt counselor will help you understand your options on getting out of debt. 

Call NOW to schedule your appointment!

Toll Free 866-659-7966

www.clearfinancialcompany.com 

 

How can I lower my monthly credit card payments?

Credit card payments can take a toll on your finances. Getting a lower payment on your credit cards can help free up cash for your other bills.There are ways that you can get lower credit card payments than you currently have, but what method works and what doesn’t?

Call them and ask for help, right?

Getting a lower interest rate will generally lower your minimum payment due. This is due to the way credit card minimum payments are now calculated. But how do you get your Creditor to do just that?

You can ask them for a lower rate and if you show financial strength, by making higher than minimum payments for at least three consecutive months. This sort of  defeats the purpose doesn’t it?

It’s worth a try but the truth is, calling and asking them to level with you may not get you the the much needed result: Lower Minimum Payments.

Debt Relief Plan

A Debt Relief plan can help you get lower credit card payments. It is especially a good option when you cannot afford to pay more than the minimum payments on your credit cards or you are already falling behind.

Using the Clear Financial Debt Relief plan, you can significantly reduce your monthly payments and in most cases dramatically reduce your principal debt as well.

This program has an extremely high success rate and has helped many thousands of people out of their financial difficulty.

You’ll gain the support of a knowledgeable adviser who will work closely with you to reduce your monthly payments and clear up your debt.

Call NOW to speak to our Debt Specialist 866-659-7966 or go to www.clearfinancialcompany.com  

 1299 Main St. Ste A. Dunedin, FL 34698

Loan to Pay Off Debts?

Have you ever noticed that the more you need a loan the harder it is to get one? When you have credit card debts at a higher interest rate, a loan to pay off your unsecured debt may look like a good idea, but in fact it may make things worse.

Research shows that people who were able to borrow money to pay off debt, even at a lower interest rate, soon after the debt was paid off, they ended up back in debt again!

Why? Because you can’t borrow your way out of debt!

I wish there was something out there that would make your debts disappear like “poof”, but taking on more debt is not the way to go.

What is the First step to Getting Out of Debt?

Stop Overspending!

That means, if you make $50,000 per year, don’t spend $60,000 per year. Yes, you will have to amputate your budget, which may hurt, but borrowing money to accommodate your lifestyle will only get you further in trouble.

Remember as long as you are in debt, you are a slave to your lender!

Now that we got this out of the way, how exactly will you handle your debt effectively without a loan, without going bankrupt and still have money to live?

To become debt free and on your way to financial freedom may take some time, but it does not have to be long!  

Good news! You have options!

Speak to one of our Debt Specialist and find out which program will fit your needs!

 Call 866-659-7966  

or visit  

www.clearfinancialcompany.com

Creditors Gone Wild!

When you fall behind on your payments your creditors can literally go wild. Out of most collection efforts, calls are the worst!

They call you early in the morning, late at night, multiple times a day like there is no tomorrow. You pick up, you explain how you can’t pay and doing everything you can to keep all your bills current – still, they are leaving automated messages until you feel you have no choice but to quit answering your phone!

As you fall further behind, they turn the heat up, by sending you far more threatening letters and now having a live person calling you at home or work and it’s not uncommon for them to trace down relatives and neighbors and call them as well.

How to keep them under control

You Have Rights Even If You’re Behind with Your Creditors!

It can be embarrassing when you get behind with your debts. You might feel that you deserve to be harassed by creditors.  Would you be surprised to learn that it’s illegal for a debt collector to harass you?

You do have rights!

If you read through the Fair Debt Collection Practices Act (FDCPA), you will see that debt collectors may only call you during reasonable hours (8am – 9pm). So, if you’re getting calls at 2am, that’s not right and you can report the collector to the Federal Trade Commission (FTC).

 You can report harassing Creditors to the FTC and you may even be able to sue them!

They are also not allowed to call you at your work if your employer doesn’t allow it. They may not lie to you, threaten you or abuse you.

One thing that most people don’t know is that if you write a debt collector and request that they stop contacting you, they must do so! Keep in mind that debt collectors do buy and sell debts regularly, so you might have to write another letter to the next one as well, but at least it will stop the steady stream of phone calls for a while.

Get them off you back for good!

If you learn how to control your creditors it will give you the tools to reduce the collection efforts, but the problem – outstanding debt is still there! Although many people will ignore the problem and hope that things will get better down the road, the truth is, your debt will not disappear unless you pay them.

So what can you do when you are behind on your bills, or about to fall behind? Does it really help to bring your account current? What can they do if you just simply don’t pay them? Is bankruptcy the only option?

Call NOW  or go on line for your FREE debt analysis!

Toll Free 866-659-7966

www.clearfinancialcompany.com

Do creditors really forgive your debts?

If you are currently making your monthly payments and you would call your creditors to reduce your interest, lower your payments or to forgive a portion of your debt, most likely you would not be successful at getting what you want.

However if you meet certain requirements, your creditors may significantly reduce your balances! Sometimes they will forgive as much as 70% – 80% of what you currently owe!!

How is this possible?

In most cases, it is a good way for them to not walk away empty handed. Lets say that you can’t pay your bills. Guess what? You can’t pay your bills! This means that your credit card companies might not see any of their money. When this happens over and over again, they take a financial hit. That is why many have started to agree to settlement offers.

Bottom line is, creditors do not settle on current accounts!

If you can’t afford to pay more than your minimum payments right now, it’s a clear sign that you are already in trouble. You may need to make an aggressive move to effectively eliminated your debt.

But, don’t quit paying them just yet! You need to know the consequences of debt settlement, and fully understand all your debt relief options! Debt settlement is a viable Debt Relief option. However going at it alone may make things worse.

Call us for a Free Financial Analysis and for your Debt Relief Options 866-659-7966, www.clearfinancialcompany.com

How to Choose a Debt Settlement Company

Once you’ve determined Debt Settlement is the best debt relief option for your situation, you have another decision to make: Do it yourself or hire a pro. Hiring a pro is best way to ensure you get the largest settlement deals.

The information in this article will help you select the right professionals to set up and negotiate your debt settlement program and help you stay on track.

Black hat and white hat debt settlement firms

Unfortunately, the debt settlement industry is littered with black hat debt settlement firms who will take your money and do little or nothing to reduce your debt. These are the people you want to avoid.   The good news is there really are legitimate, white hat, debt settlement firms – Clear Financial for example – who can and do provide a valuable service. Here’s how to be sure you select one.

Here’s what makes the good guys different:

No Upfront Fees. A Debt Settlement company should not charge you any fees unless or until they settle your debt. Period. This is not only the most ethical way to do business – per an FTC ruling effective October 27, 2010, it’s also the only legal way to charge fees. No “add-on” fees. Some debt settlement companies try to get around the law by charging administrative fees, signing fees, consultation fees and various other excuses to get money from you. Good guy debt settlement companies such as Clear Financial charge only a settlement fee, which you do not pay until your debt is settled. Settlement guarantees. In addition to charging you only a debt settlement fee, your debt settlement company should be willing to guarantee a minimum settlement amount for each debt. Clear Financial guarantees a minimum of 25% – although most settlements are for substantially more. End-to-end service. Some “debt settlement” companies you may talk with are really only sales groups who will sell or pass your account off to a different company to handle your settlement. This means your financial data is being passed around and the sales person has no control over – or interest in – how your debt is settled. Look for a company such as Clear Financial who will handle your program from beginning to end. Experience. With the crash of the sub-prime mortgage industry many new debt settlement companies headed by prior mortgage industry people suddenly popped up. These companies do not have nearly the experience or the relationships that lead to your best settlement deals. Look for companies who have been around long enough to amass a solid settlement track record. For example, Clear Financial combined experience of 14 years in the industry and we’ve settled more than $1,267,398 in debt for our clients last year alone. If you eliminate any company that does not meet the above criteria, you’re well on your way to selecting a legitimate debt settlement company that has your best interest at heart.   Call the good guys for a Free Consultation! Toll Free 866-659-7966

YOUR CREDIT & YOUR OPTIONS TO GETTING OUT OF DEBT

Lets look at how some Debt Relief choices will affect your credit report.

Doing a bankruptcy, joining a non-profit, Consumer Credit Counseling Program and Debt Negotiation will all have a bad effect your credit score. At the same time, if you’re overwhelmed with debt and are having a hard time paying your creditors, EVEN IF YOU DO PAY THEM ON TIME, you will have bad credit!

WHY?

There are TWO points of concern about your credit score even if you make your payments on time. One is your debt to income ratio, meaning how much money you bring in and how much you spend each month. If you are spending all of your income on bills and expenses, you are considered a credit risk.

In addition, if you have used most or all of your available credit, then you will have a lower credit score, even if you pay your creditors on time. Again, they consider you a credit risk.

This is CRITICAL information that your creditors don’t want you to know. They want you to keep making your minimum payments, on time, so they get their money.

WHAT TO DO…

Credit is valuable, but only when you can use it! If your worry about your credit is trapping you into your debt problem so that you feel that you must keep paying your creditors on time, or face the consequence of bad credit, what are you going to do?

What you need to do is to get out of your STRESS, WORRY and FEAR that are happening as a result of your debt. THAT is where you have to make your decision.

Credit can always be improved, if just through time. Debt will persist and persist and persist and will not go away until you do something that is effective!

Call us now, for a FREE Consultation at 866-659-7966 or go to our website at www.clearfinancialcompany.com

For local clients, come see us at our location: 1299 Main St. Ste F, Dunedin, 34698

YOUR DEBT VS. YOUR CREDIT SCORE

You may be in the situation of having so much credit card debt that you are feeling stressed, worried and afraid of what might happen. At the same time, you may also be so concerned about your credit score that you hesitate to do what’s necessary to get out of debt.

In other words, you’re feeling the squeeze between the stress of your debt and the worry about your credit score. In fact, concerns about your credit report can freeze you from doing anything effective about your debt, which sends you right back into your worries, stress and upsets about your debt.

That’s called a mental trap.

There are a number of falsehoods about credit that you need to know so you can have a better understanding about your credit. If you feel like the banks and credit card companies are toying with you when it comes to your debt and credit report, you are absolutely right! They are scaring you by using your credit as a leverage!

At Clear Financial we will help you find the right Debt Relief Option (and there are options!) and get you on your way to rebuild your credit! Call us for a Free Consultation! 866-659-7966

Truth or Myth

Have you heard those commercials recently about “The Secret your Creditors Don’t Want you to Know” and a Government Bailout Program for your credit card debts?

The truth is Just like the Santa Claus, the Easter Bunny and the Fountain of Youth, a Government bailout to pay of your debts does not exist.

However, there is a secret the credit card companies do not want you to know!!!!

You can lower your monthly payments, significantly reduce your debt and be debt free sooner than you think!

Find out what you new monthly payment will be and how much you can save on your debt now!

Our agents will meet you in person and work out a Debt relief plan that’s right for you!

To find out how much YOU can save and to see if you qualify please visit our site at www.clearfinancialcompany.com or call us at 727-474-0401.

You Have Rights Even If You’re Behind with Your Creditors!

It can be embarrassing when you get behind with your debts. You might feel that you deserve to be harassed by creditors.  Would you be surprised to learn that it’s illegal for a debt collector to harass you?

You do have rights!

If you read through the Fair Debt Collection Practices Act (FDCPA), you will see that debt collectors may only call you during reasonable hours (8am – 9pm). So, if you’re getting calls at 2am, that’s not right and you can report the collector to the Federal Trade Commission (FTC).

They are also not allowed to call you at your work if your employer doesn’t allow it. They may not lie to you, threaten you or abuse you.

One thing that most people don’t know is that if you write a debt collector and request that they stop contacting you, they must do so! Keep in mind that debt collectors do buy and sell debts regularly, so you might have to write another letter to the next one as well, but at least it will stop the steady stream of phone calls for a while.

However, these debts won’t go away just by stopping the calls. Eventually they must be faced and handled once an for all. If you are behind on your debts or about be, there is a solution!

Call for a free consultation 727-474-0401 or go to www.clearfinancialcompany.com