Debt Settlement or Debt Negotiation

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You may have heard about this Debt Management program in the mainstream financial press as a way to avoid bankruptcy. It is an honest and effective method, that if used correctly, can Reduce Debt and be a very effective Bankruptcy Alternative. It's called "Debt Settlement" or "Debt Negotiation," and it's really nothing more than good old-fashioned haggling in order to Eliminate Debt.


While Debt Negotiation is not perfectly suited to everyone with a debt problem, those seeking a viable Bankruptcy Alternative will discover that Debt Settlement is a great solution to Eliminate Debt.
Unlike Debt Consolidation or Credit Counseling, where you pay back the full balance on your debts, with Debt Negotiation, you only pay back a portion of the balance, usually 50% or less.
What happens to the rest?


The creditor forgives the balance in a transaction called a "settlement." In other words, through the process of debt negotiation, our professional staff at Liberty Financial Management will be able to reduce the total amount of money that you owe (called the "principal"). Most other debt management programs reduce only the interest rates but never the source of the problem, the principal. This makes a huge difference in how quickly you can become debt-free. Instead of 5-9 years as with Credit Counseling, with Liberty Financial Management’s Debt Settlement Program, you can be debt-free in 3 years or less, depending on the pace at which you fund the program. Also, you'll save thousands of dollars through Debt Negotiation versus other programs with settlements as low as 25% not uncommon. So is this really a good alternative to bankruptcy?

 

In 2005, there were new bankruptcy laws put in effect where a debtor will have less leverage by threatening to declare bankruptcy. It has become harder to obtain a chapter 7 bankruptcy, which allows you to keep some of your assets. With it being even harder to obtain a chapter 7, Debt Negotiations have become even more valuable for the consumer. When you start weighing the advantages and disadvantages of a Bankruptcy Alternative like Debt Settlement or Debt Negotiation, you really start to see the light.

Here are some of the major advantages of Debt Settlement:

 

arrowProvides an ethical and honorable alternative to bankruptcy.

arrowAllows the client to maintain privacy over their financial affairs (unlike bankruptcy, where everything becomes a matter of public record).

arrowLets the client take charge of the program and control their own destiny (unlike bankruptcy, where the courts decide everything).

arrowProgram duration of only 2-3 years versus 5-9 years or more for Debt Consolidation or Credit Counseling.

arrowRequires the lowest total payout versus Debt Consolidation or Credit Counseling.

arrowProvides the most flexibility of any program in terms of monthly budgeting.


The tremendous savings obtained by Debt Negotiation versus other methods is certainly an attractive benefit, but the built-in flexibility of this approach is also critical for many consumers who struggle with monthly payments.


If you're like most folks, your expenses differ from one month to the next. With a Debt Consolidation loan, a Credit Counseling program, or a Chapter 13 Bankruptcy, if you miss a payment the whole program can go haywire.


With the Debt Settlement approach, if it's necessary for you to skip a month, the only result will be that the program may take a little longer to complete. You can also "make it up" down the road by funding over and above your basic level. You can even add lump sums from time to time which can lead to settlements immediately. No other program provides this kind of real-world flexibility. That's why Debt Settlement is quickly growing in popularity among consumers seeking to eliminate credit card debt and other types of unsecured debt, like unpaid medical bills. That's the main reason for the increase in Debt Negotiation companies in the last 12 months. Please visit 13 warning signs of scams, to learn more about navigating through the arena debt settlement to protect yourself from debt settlement scams.
Not all third-party Debt Negotiation providers are the same and not all of them will actually Eliminate Debt.

 

You can check with the Better Business Bureau if you are concerned about any debt settlement companies business's reputation, including ours. Some debt settlers have given the industry a bad reputation. If you check with the BBB, you'll find that we are one of the top in the business--with a clean record.


Some people have attempted to Reduce Debt themselves. They may even find success, and talk their creditors into accepting a smaller amount than the sum total of their debts. However, simply attaining a settlement isn't enough. You want to obtain the best settlement possible that reduces your debts as much as the creditors will allow. This is something that takes the experience and relationships a debt settlement company has.


Novice debt settlement companies may feel satisfied with the job too early, and miss crucial opportunities to reach lower settlement offers. When pressed, a creditor's customer service representative is instructed to shave a couple thousand dollars off the top. A seasoned debt arbitrator will know when the lowest offer has been made, and not stop after receiving an offer with just a couple thousand dollars removed. This is why it’s important to turn your credit card debt and other unsecured debt over to a settlement company that has extensive experience such as Liberty Financial. At Liberty Financial we have this necessary experience, and are ready to put it into action on your behalf to ensure you Eliminate Debt and achieve financial freedom.

Of course, many creditors don’t want you to know there is such a great Bankruptcy Alternative. The reason is because a large amount of the money credit card companies make is from small payments on a large interest rate for long periods of time. It is our purpose to fight against that, and help you eliminate debt and become debt free so you can reach your goals of financial freedom!


So what's the solution?


Working with a professional Debt Negotiation agency like Liberty Financial Management to Eliminate Debt can jumpstart your goals of becoming debt free. With programs lasting often times, only 24 months!
To learn more call us for a chance to speak with a professional debt arbitrator, who has experience in settling debts.


During your FREE, no-obligation consultation to Eliminate Debt, we'll analyze your situation and help you determine the best approach for your circumstances to begin your process of finding the right debt relief program for you.


Remember the real reason we are here, is to help you find the best options for you, in getting out from under your medical and credit card debt!

 

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