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Thinking about Bankruptcy? |
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Our proven debt settlement program will make you debt free within 24 months!
Our debt arbitration counselors are available 24 hours a day, seven days a week.
Call 1-888-476-1132.7594 for a Nearly every American is walking around with at least
some debt. According to the Federal Government paying more than 40% of your gross income to pay your debt burden
is an indicator of financial distress. Most of us have mortgages, many of us have auto loans or college bills and we surely
can not forget credit cards. The total amount of credit card debt in the United States exceeds 750 billion dollars and the
average household has over $9,000 in credit card debt spread over thirteen credit cards! For example, the average
forty-year-old person making $50,000 to $100,000 has about $108,000 in debt. Chances are a lot of it is credit card debt.
To add to this misery, unemployment rates are at record levels and bankruptcy filings have skyrocketed. Let's face it,
two years ago many of us were saying "Let the good times roll." Now many Americans are wondering how to get rid
of credit card debt. Perhaps you are considering credit counseling, debt consolidation, or bankruptcy.
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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 Grou'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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