Your Options

National Credit Dispute Pros can help you by clearly explaining your debt negotiation and settlement options.

There are 4 options which are listed below. Although none of them are easy choices to make our knowledgeable program advisors can explain why Debt Settlement may be a good option for you.   Simply call us at 805-881-3426 or fill out our Free Consultation Form.

Option 1 – File Bankruptcy
There are two main options offered by the U.S. Bankruptcy code, chapter 7 and chapter 13.  For some, filing bankruptcy may offer the opportunity to discharge unsecured debts, and  for others,  bankruptcy may offer the chance to repay secured debts like their mortgage over time.  In order to make the best decision for your situation and financial future, you need to educate yourself about all your options for filing bankruptcy.

This is not a decision to be taken lightly. Only a licensed attorney can properly advise you on bankruptcy and whether it is right for you.  We can give you some limited, general information, but you should always discuss this option with your attorney.

Option 2 – Do Nothing
While doing nothing is an option, it is not a practical one.
However, a significant number of consumers do just that, which only complicates your particular financial situation.

Option 3 – Credit Counseling
With Credit Counseling you make a single monthly payment to a credit counseling agency. That agency then distributes the money to the creditors on your behalf, ideally at lower interest rates, and pays the creditors in full.

Option 4 – Debt Settlement
In today’s economy consumers are demanding the most effective means to resolve outstanding unsecured debt. Debt Settlement offers you a solution. If you cannot afford your current monthly payments, please read more about our debt settlement program and how we may be able to settle your unsecured debt. Please read and understand all important program disclosures before enrolling in our Debt Settlement Program.

IMPORTANT PROGRAM DISCLOSURES:

Past performance is not a guarantee of any future settlement results – Your creditors are under no obligation to accept settlement offers from any debt settlement company – If you stop making your monthly payment to your creditors, late fees and interest will continue to accrue -  Our Debt Settlement Program cannot prevent your creditors from continuing collection activities, including lawsuits that  may be filed against you -  Debt forgiveness may be taxable as income -  Our Debt Settlement Program does not assume or pay any consumer debts, and does not provide tax or legal advice -  Our Debt Settlement Program is not available in all states and in certain states must be handled by a licensed attorney -  Read and understand all contract terms prior to enrollment.