Advantages Of Credit Card Debt Settlement Over Debt Consolidation

Achieve Security is a debt settlement company offering debt relief solutions to people who are unable to make minimum payments and have credit card debt of at least $10,000. A settlement company differs from a debt consolidation company in that we don’t offer credit card debt consolidation loans or pay off your debt, but work with you to find solutions. Our company has a long track record of proven success in finding consumer debt relief solutions for our clients.

Debt settlement offers several advantages over credit card debt consolidation. In a debt consolidation program, you generally pay the full amount back to the creditors, but with lower interest. This process usually takes longer than settlement, often as long as five to seven years. Because a settlement program allows consumers to pay less than the full amount, the program can be completed faster.

Unlike a debt consolidation program, we negotiate with your credit card companies for a settlement that is less than the full amount, often between 40 and 60 percent less. We will customize a personalized plan for saving and paying off settlement agreements. The program and time it will take varies, based on the amount of debt and your ability to save for the settlement.

We offer a free initial consultation, so you can discuss your unique situation with one of our experienced consultants. Your counselor will evaluate your circumstances to determine the various debt resolution options that apply to your situation. Contact us by telephone or through our website for your free consultation.