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Tax debt |
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Credit card debt and tax debt are common problems in American households.
Our credit card debt arbitration specialists and tax negotiation experts will
arbitrate your credit card and federal income tax debt and obtain settlements
for you for pennies on the dollar! Statistics show current credit card debt levels
and overdue personal income taxes are a primary reason why many Americans
live from paycheck to paycheck. Discharging credit card or tax debt through
bankruptcy, debt consolidation programs, or installment agreements are not the
only solutions. Bankruptcy has huge economic and emotional down sides and
can takes a tremendous toll on your credit rating. Debt consolidation requires
you to pay back 100% or more of your debt and many debt consolidation
companies are funded by credit card companies. Installment agreements
for taxes or credit cards only prolong your agony. The Consumer Debt
Group of California offers an alternative to bankruptcy and debt consolidation
called debt arbitration and it truly works. Our debt arbitration specialists utilize our
proven debt arbitration techniques to rid you of credit card debt and federal income
tax debt and help you regain control of your finances.
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Bankruptcy |
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Bankruptcy is like getting a divorce from your creditors. There are two primary types
of personal bankruptcy: Chapter 7 and chapter 13. Each is filed in federal bankruptcy court. Bankruptcy cancels
your debt. If you have unsecured debt like credit cards Chapter 7 might be the choice for you. Usually, this type
of bankruptcy (sometimes referred to as a "straight" bankruptcy) is a routine process that is relatively inexpensive.
The bankruptcy process takes about four to six months, normally requires a single trip to the court house, and requires
that you complete a two-page petition and other supporting forms. When you file a bankruptcy petition an "automatic stay"
goes into effect immediately. This immediately prevents your creditors from trying to collect what they owe. At the end of the
bankruptcy process, most of your debts are wiped out and you no longer legally owe your creditors. Unfortunately, many people
choose bankruptcy as an easy way out and do not consider all the drawbacks.
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Bankruptcy Disadvantages |
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Bankruptcy is terribly intrusive because you are required to publicly
disclose your financial activities over the previous two years. You must also disclose the current property that you own.
Additionally, bankruptcy is emotionally draining because many people interpret bankruptcy as meaning failure.
Bankruptcy also leaves a long lasting mark on your credit report.
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Debt Settlement Alternative |
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Before considering bankruptcy
and the harsh realities associated with it consider trying a true bankruptcy alternative - debt settlement.
We are debt arbitrators and we have developed a debt settlement program that is better than filing for
bankruptcy or entering a debt consolidation program. Simply stated our debt settlement program eliminated up to 60% of your debt.
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No More Harassment from Creditors |
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Upon being accepted to participate in Consumer Debt Group's debt
settlement program, your creditors will be notified that we represent you and you will no longer receive embarrassing phone calls.
Our expert debt arbitration representatives will contact and then communicate with your creditors and will prepare an individually
tailored debt settlement program on your behalf.
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Eliminate Your Debt Fast |
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A debt consolidation loan service may entice you with an
offer of lower monthly payments, but in order to offer you lower payments, the loan consolidator extends or lengthens
the consolidation loan term. What does this mean to you? You'll end up paying more in the long run. Why? The longer
term and the higher interest rate can actually end up doubling - not eliminating - the amount of debt that you have at time
you enter into the debt consolidation loan program.
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On your behalf, Debt Consolidation Choices will negotiate debt
settlement with your creditors. On average, we've reduced our clients' debt by roughly 25% - 50% - pennies on the dollar.
You pay back a fraction of your debt, faster.
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Pay Less Each Month AND Payoff Your Debt |
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Debt Consolidation Choices and its staff of expert debt arbitration
negotiators pride themselves on providing our clients with the highest level of customer service.
Years of success with our debt settlement program is the result of the integrity rich relationships
we have built with our clients and the more than 150 lending institutions we work with. Our results
have lead thousands of clients on the path to financial freedom. Our debt counselors are available 24 hours a day, seven days
a week to inform you about the benefits our debt arbitration or debt settlement can provide to you. Review our debt settlement
program details, and then, to relieve your debt burden, click here for a free Debt Consolidation Choices debt arbitration consultation.
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