An example of how we may be able to help you:
When I graduated college I was excited to live on my own and support my self in the "real world". I got a good entry level job and the credit card offers were coming in the mail every day. I was on top of the world and I think my excitement fueled my tendencies for overspending. When I realized I wasn't able to keep up with my monthly payments, I knew I was in pretty deep trouble. An older friend recommended I check out DebtSettlementCompanyHelp.com and I filled out their online form. After a few easy phone calls with my debt settlement specialist, I had my balances cut by more than half! I saved over $15,000 and afford my monthly payments again. Wow...what an unbelievable relief! I told 2 of my other college buddies about DebtSettlmentCompanyHelp.com and they knocked off about half of their credit card debt too! I tell everyone I know to check it out. Thanks for the 100th time!

Frequently Asked Questions


Seeking Debt Management and Debt Settlement Company help can be very intimidating for those of us that are struggling with our bills. By design, the debt settlement program offered by the professionals behind DebtSettlementCompanyHelp.com is simple, straight forward and easy for anyone to understand. We walk you through the entire process and make sure none of your questions go unanswered. You will soon realize that debt relief is a realistic option and is much closer than you think. DebtSettlementCompanyHelp.com can relate to your situation and is here to support you in your decision to take control of your finances and you future. We are confident that once you speak briefly with one of our debt settlement specialists, you will agree that now is the right time to make a positive change and start living debt free.

Rest assured, you are not the only one struggling with paying your bills right now as it has become a very, very common situation in this economy. Since so many people just like you find unsecured credit card debt settlement to be a confusing and somewhat daunting subject, we have provided a list of frequently asked questions and answers below. It would be very difficult for us to list every question that we are asked every day, so we remind you that you can call us with any question, any time and we will gladly get you the answers you are seeking. After reviewing the some of our debt settlement questions and answers, take a moment and ask yourself if living debt free and getting your freedom back is important to you.

How does the credit card debt settlement program work?

When you enroll in our debt settlement program, we quickly get you on a new monthly payment plan that is substantially lower than your current minimum monthly payment. Our trained debt settlement specialists negotiate with all of your credit card companies to come to an agreement on considerably reducing the total amount you owe. Once the creditor has agreed to a pay off amount, our debt settlement team pays off the credit card companies with a lump sum settlement which is based on a percentage of your original balance.


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How do I get started with your debt settlement service?

You can either fill out the quick information submission form on our site, or call simply call us at your convenience at 1-888-826-3193. We will quickly have one of our Debt Settlement experts answer any questions you may have and discuss your options with you. There is no charge for this free consultation so you really have nothing to lose. Once we help you make an educated decision about how to proceed and you are accepted into our program, we will begin defending your rights and working on a settlement with all of your creditors.


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Do the debt settlement services offered through DebtSettlementCompanyHelp.com deal with debts other than credit card debts?

Yes,! Our debt settlement company specialists are experts in settling personal loans, medical bills, department store cards, gas cards, repossessions, and even accounts that are in collections. Since our process is based on negotiating with your creditors, can not include mortgages and cars payments in the program, because the terms stipulated in such loans usually allow the creditor to recover the property in a case of non-payment. ***Please note: If you are late or having trouble making your mortgage payments, want to avoid foreclosure and remain in your home, make sure you that mention it to us so our trained legal team canl evaluate your situation and possibly help you remain in your home through loss mitigation or mortgage modification.


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What is the minimum total debt amount required to be eligible for your debt settlement program?

To be eligible for our company's debt settlement program you must have more than a total of $10,000 in debt. Each of your account balances must be over $500 for them to be included in our credit card debt settlement program.




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How will my credit be affected by your company's debt settlement program?

The effect that our program will have on your credit may vary depending on many factors. For people that have good credit, credit card debt settlement can have a negative affect on your rating (call us to discuss how this may affect you in your situation). For consumers who have already have fallen behind on payments or have a history of marginal credit, it is very possible that credit card debt settlement may have a positive affect on your credit by paying off delinquent balances and improving your credit score. Your FICO credit score is largely comprised of two factors: 1. Your credit history which comprises 35% of your score. 2. Your outstanding balances (total amount you owe) which comprises 30% of your score. We you enter a debt settlement program, your total outstanding balance amount is affected in a positive way and your credit history is affected in a negative way.


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How do I know if I need debt settlement?

It is very common for people to put off facing the fact that they really need to look at their debt settlement options. Below is a short list of key indicators that you should take action and let us help you examine your debt settlement options as soon as possible.


  1. Do you have little or no savings?
  2. Are you at or near your credit limit on your credit cards?
  3. Do you make the minimum required payment on all of your credit cards?
  4. Have you received phone calls from debt collectors?
  5. Are you afraid to look at your credit card statements when they come in the mail each month?
  6. Do you use credit cards for things that you paid for with cash in the past? For example: groceries, gas, utility bills.
  7. Is it a struggle to make timely payments on your monthly credit card bills?
  8. Have you lied to your spouse or other family member about your spending?
  9. Have you hidden credit card statements from your wife or other family members?
  10. After you pay your monthly credit card bill, do you charge that same payment amount or more again the following month?
  11. Have you recently written a check without knowing whether it will really clear or not?
  12. Do you lose sleep at night thinking about your debt?
  13. Is your debt is putting noticeable added stress on your marriage and/or family life?
If have answered yes to ANY of these questions, contact us right now for some free life changing advice!


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What are the differences and similarities of between credit card debt settlement and credit counseling?

Both of these processes help you gain control of your finances, eliminate debt and allow you to head in the direction of living a debt free life. Generally speaking, credit card debt settlement tends to be a more aggressive approach than credit counseling. In a credit counseling program which usually lasts between 4 to 6 years, counselors work on your behalf to get your interests rates reduced and not a reduction in the total amount you owe. Credit Card Debt Settlement programs usually last 1 to 3 years on average and usually include significant balance reduction.


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Is credit card debt settlement the same as bankruptcy?

No! The two are very different. Bankruptcy has a much broader and more significant impact on your credit than credit card debt settlement does. An example of a consumer that would find bankruptcy a suitable option would be someone that has no income or is looking to get debt relief from specific secured debts such as mortgages and car loans. Chapter 7 bankruptcy is a process where the court orders the liquidation of all of the debtor's non exempt property and a trustee pays the creditors down with the proceeds of the liquidation sale. In the case of a Chapter 13 bankruptcy, the court orders the debtor to turn over all of his disposable income for a period of 5 years. There are many options as to how to handle your specific situation, call us to discuss the best options for you and your family, helping people like you is what we do best.