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Eliminate Debt Without Bankruptcy
By Marie Megge
Times are tough and people across the country are endlessly struggling to make ends meet. The
Midwest has lost thousands of manufacturing jobs and can expect to lose thousands more. It’s no
wonder that individuals are carrying more credit card debt than ever before; many are likely using
credit cards to simply purchase the basic necessities.
Unfortunately, using credit cards comes with a hefty price – mounds of debt and high monthly bills. If
you’ve recently discovered that your credit card bills are out of control, and you’re barely getting by
each month, there are options available that can enable you to eliminate your credit card debt and
avoid a bankruptcy filing.
You see, creditors would rather accept a portion of the amount you owe them, rather than nothing at
all. Because of this, you can negotiate with your creditors through debt settlement.
Debt settlement (debt negotiation) is a process whereby you negotiate with your creditors so that they
will agree to accept less than the full balance (normally 50% or less) of what is actually owed. Debt
settlement is an excellent solution for individuals who can no longer afford their monthly bills, and
simply want to put their debt behind them, with no further monthly payments.
Obviously, there are certain criteria that you must meet in order to qualify for a debt settlement
program; and just like most things, the process of debt settlement can at times be frustrating. You can
eliminate some of your concerns regarding debt settlement by educating yourself and learn