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The truth about debt settlement services we help you manage and dedicated to educating consumers about ways of lowering credit card debt and learning to live life debt free.

What is debt settlement credit card counselor ? Credit card counseling is an educational process that teaches consumers how to avoid debt in the future. Our highly trained counselors are certified experts in credit cards counseling.

Things we do when settling debts:

While all of the above statements are true, you have to remember that you have what your creditor want is money. Here are some tips to succeed in debt-settlement even after the creditor said no the first time.

1. Put everything down in writing . You are not the only consumer that your creditor is dealing with so best to have a record of your documents between the debt negotiator and the creditor and make sure that you in progress updates.

2. If you conversed over the phone, get the name and designation of the person you spoke with. Record the time and date of the call and what you discussed. Write down everything in a letter and send that to the creditor. Have then do the same so you know there is no misunderstanding.

3. Be patient sometimes, the longer the debt has remained unsettled, the more willing the creditor is to settle. but then again, if they know that you are finally capable and you are just holding back on your payments to force them into settling, you might end up with lawsuit. Be sure you are really financially incapable of paying off your debts.

4. Make sure the you and creditors agree to the same terms and that a proposal is in written form. Otherwise, do not write that check just yet. It is important to ensure that you understood the new term of the agreement correctly to avoid problems in the future.