Debt Settlement Services
Debt settlement or negotiation is a process that assists consumers with paying off high bills or unsecured accounts. Experienced negotiators from reputable companies will contact the creditors or collection agencies on behalf of their clients and negotiate a settlement.
The settlement is beneficial to the creditor because without it, often consumers will have to declare bankruptcy, where creditors will then lose money. Consumers could end up paying back a significant amount less than their balance owed with top debt settlement services and get out of debt in three years or less on average.
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Fill out the simple from on the right or call 866-376-9846 for a FREE CONSULTATION.
IMPORTANT: This page is very detailed, informative and helpful. You will understand debt settlement services by the time you finish reading this page. If you are even considering settlement services, consolidation or any program, then take your time and read this entire page before making any other moves.
Obtaining this type of education is the first step that you need to take, when starting your journey towards debt freedom.
Not all states are eligible for this type of program and not all consumers will qualify.
Top Debt Settlement Companies
The top companies will usually have a tremendous amount of leverage with the creditors. Most of the larger companies will use the bulk settlement approach.
The bulk settlement approach is where the settlement company will bulk together, at times hundreds of clients’ worth of accounts, and then negotiate with the creditor based on a massive number of clients’ worth of debt at a given time.
This technique gives our negotiators leverage to solidify the largest discounts.
Over time the larger companies will establish relationships and contacts with the creditors making the process more efficient.
Our servicing negotiators here at Golden Financial Services settle more than 15 million dollars of debt on a monthly basis.
We strive to provide our clients with superior service they deserve and we have been focusing on this type of debt relief since 2004.
What do the best and most trustworthy companies have in common?
1. Provide clients with financial education while on the program.
2. Set their customers up with an attorney in their state while on the program in case lawsuits occur or creditors attempt to sue.
3. Provide their clients with asset protection.
4. Have been in business for more than eight years.
5. Have zero unresolved customer complaints.
6. Have the highest rating with the Better Business Bureau (BBB).
7. The negotiators are paid based on how they perform and how much money they save their clients.
At Golden Financial Services, it’s absolutely imperative that our clients are successful.
In Life, it is not all About Money
What type of personality traits do you have? This is an important question to ask yourself before you decide on consolidation or settlement.
Are you determined, disciplined and motivated? If not, then debt negotiation may not be the right option for you.
Are you more conservative? If so, then consolidation may be the best route for you. With consolidation you will have one monthly payment that will not likely change much for the entire program. You will be out of debt in around four years. You will stay current on your accounts and should not have much stress while on the program, assuming you can afford the payments.
Once approved for a settlement program, it is high paced. Our negotiators will aggressively work to settle one creditor after the other. Often by six months into the program, we will have at least one of your creditors settled and paid. Some people may find this type of action exciting and motivating, while others may find it stressful.
If you are a driven individual, then you will most likely feel enthusiastic about having your first creditor settled so quickly that you will desire to achieve more similar results. The good news is that you can accelerate the program if you have the capability to pay additional and graduate faster on a settlement program.
With debt negotiation or settlement you have more flexibility, than with consolidation. Many consumers will sign up on a three year plan and actually graduate in two years or less.
Settlement programs require more involvement than consolidation programs. As a valued Golden Financial Services customer you are always in the drivers seat. You alone have signature authority to approve settlement offers from creditors before we can settle any of your accounts.
Therefore, when our legal assistants call our clients, they need to be available and willing to speak regarding their program. With consolidation, there is less participation required for the client.
Ultimately, it is important to find out which program will save you the most money, but you cannot make your entire decision based on money. You will hardly save any money on a program that you cannot finish. Set yourself up for success!
At Golden Financial Services, during our initial and free consultation with you, we will help you with making an informed decision.
Get a Free Consultation by calling 866-376-9846 or by filling out the simple contact form on the right.
Debt Settlement Services vs. Consumer Credit
To complete a consolidation or consumer credit counseling program it takes between 3-5 years on average. On a consumer credit counseling program a person’s interest rate is negotiated down. A consumer will end up paying back the full amount owed and interest with consolidation, but less interest than what they would end up paying when paying minimum payments on their own.
With settlement services, negotiations are based on the total balance owed, where a person will end up paying back less than what they owe.
Some people prefer consolidation over settlement, because they believe it to be less risky.
Example of a Settlement Plan vs. Consolidation
- On average when a consumer has $30,000.00 in bills, on a settlement program a $500 payment could have them debt free in around three years and sometimes less.
- On average when a consumer has $30,000.00 in bills, on a consolidation or consumer credit counseling program, a $750 payment could have them debt free in around four years and four months.
This example illustrates how debt negotiation can save you more money and complete the program faster than you would on a consumer credit counseling plan.
If you really have a hardship then debt negotiation with a Top Company is the most effective and ethical way to pay off your bills.
With the right team and preparation, execution will be made easy!
Almost Ready to Take Action?
Fill out the “Reduce Debt Form” on the upper right hand side of this page or Call 866-376-9846 in order to receive a FREE CONSULTATION.
During our consultation, we can answer your questions that you may have, provide you an estimated savings analysis and details regarding a plan to get you out of debt.
If you prefer to keep reading about the program, then we recommend that you visit the next page.
We also recommend that you read this page, which goes over all of the other debt relief options available in the United States, including debt settlement services.
Credit Card Relief
Credit Card Relief Program “A+”BBB
See if you Qualify Today!
Here at Golden Financial Services, we have been serving America with our program since 2004.
You could pay back a substantial amount less than what you owe.
Pay off Your Cards in 2 – 3 Years
Have Only One Comfortable Monthly Payment
Fill out the simple form on the right or call us at 866-376-9846 to receive a FREE CONSULTATION.
You will only speak with an expert financial specialist and we are an “A+” Rated Credit Card Relief Company.
After filling out the form on the right, expect a call from one of our expert financial specialists within 24 hours. You will be provided with a Free Consultation and a Savings Analysis. You will not be obligated to anything. Your information will stay confidential and secure. After filling out the form, we recommend that you visit the rest of our website and get educated, while waiting for us to call you.
Testimonial – This Consumer
Graduated on our
Credit Card Relief Program
“My debt seemed to spiral out of control back in 2010. I had been paying minimum payments on it for over ten years. The balance never seemed to change. Then in 2010 my income drastically was lowered and I was forced to fall behind on my cards. My brother in law told me to declare bankruptcy, but I had a bad feeling about bankruptcy, so I decided to research other options. I found Golden Financial Services on the Internet at the Better Business Bureau website. From all the companies that I researched, Golden Financial Services had been in business for the longest time-frame, they had no unresolved customer complaints and a great rating. That gave me all the confidence that I needed and I decided to give them a call. After calling them and hearing that I could be set up with a payment that was close to half of what I had been paying on my own, I decided to sign up. I was so happy when receiving a phone call last week from my legal assistant who has been helping me on the program. She informed me that Chase, who was my last creditor, was ready to settle. I just received my confirmation from Chase that my debt has been satisfied and the balance is at zero dollars. It feels so good to be debt free! Twelve creditors have been settled and paid off on this program and I am done!
Thank you Golden Financial Services.
Patricia, from Buffalo New York”
Give us a call right now for a Free Debt Quote at 866-376-9846.
If you choose to continue reading, then we recommend that you learn more about the program that helped Patricia. Learn More
- Consumers will be contacted by one of our experienced debt experts within 24 hours after filling out the form on this page.
- Not all consumers and not all states will qualify for our programs. Consultations are always absolutely free. Our job is to fully inform consumers with information regarding all of their options.
- Debt settlement and consumer credit counseling programs are not intended to improve the score on a persons credit. Debt relief programs are designed to help consumers with paying off their unsecured accounts in the fastest possible time-frame. After graduating on this type of program consumers can rebuild their credit. Debt relief companies like Golden Financial Services include education on the programs in order to assist consumers with becoming financially fit by the time they graduate.
- We provide consumers with information on all credit card relief programs available in the United States including debt negotiation, credit repair and consumer credit counseling.
Debt Settlement BBB Rating
BBB Debt Settlement
Golden Financial Services is a debt settlement BBB (Better Business Bureau) highly rated business.
Golden Financial Services has an “A+” BBB Rating and has had this rating since 2004.
It is important for consumers to understand misconceptions, accreditation factors and in general how the Better Business Bureaus rating system works. This page will explain important details related to the BBB that consumers should know about. We recommend that you read the entire page.
Misconception About Highly Rated BBB Debt Settlement Companies
A common misconception consumers have is that if a company is a Better Business Bureau “A” Rated Company, they pay the BBB for their “A”. That is not true. Highly rated companies have to work very hard to earn their rating.
The BBB has strict policies and their job is to ensure that consumers have an accurate place to visit where they can research companies, and find safe options. At the BBB website consumers can look up information on debt companies, insurance companies, real estate companies and just about any company out there. Debt relief BBB highly rated companies are the safest route for consumers to turn to if they need financial assistance.
In the debt relief arena in order for a company to be highly rated with the BBB, the company must comply with BBB policies. The BBB checks to ensure that debt settlement BBB “A” rated companies comply with the FTC and have compliant marketing. The BBB will even call the companies’ clients to verify that there are happy clients that really did graduate on the program. There is no deceiving the BBB.
Therefore the BBB website is a perfect place for consumers to visit in order to discover trustworthy reports on companies.
Does the BBB lie?
Some companies will tell consumers that the BBB is a lie and that the BBB automatically will give a debt company an “F” rating just because of the industry that they are in.
That is actually a lie.
Companies that have an “F” rating, have their rating because of the fact that they possibly did not comply with the BBB, the FTC or they have a whole heap of customer complaints.
They have that rating for a reason, and the reason is not because the BBB stereotypes companies.
Accredited Debt Relief BBB Companies
There are also BBB accredited debt relief companies that purchase their accreditation. Companies do pay to be accredited with the BBB. However being accredited with the BBB is not what earns a company their rating. There are BBB accredited debt relief companies that have a “B” rating.
Golden Financial Services is a Debt Relief BBB Highly Rated Company.
The BBB determines our rating based on the following:
- “Length of time business has been operating.
- Complaint volume filed with BBB for business of this size.
- Response to complaint(s) filed against business.
- Resolution of complaint(s) filed against business.
- BBB has sufficient background information on this business.”
At Golden Financial Services there are hundreds of graduated clients, testimonials and debt negotiation or settlement is proven to work.
Reduce Credit Card Debt – “A+” Rated BBB Debt Relief
To reduce credit card debt consumers should examine all avenues, but once deciding on debt negotiation, make sure it is with a highly rated company.
The negotiators that work with our firm are aggressive, experienced and work very hard for our clients. Negotiators will often lump together hundreds of client’s worth of accounts at a given time, then negotiate with the creditor basing negotiations on a large dollar amount, where there is more leverage. This approach leads to us saving more money for our customers.
We also partnered up with highly rated attorneys in the United States. Our clients are matched with an attorney in their state to legally protect them while on the program. This is just another one of many steps that we took over the years in order to safeguard our clients, ensuring that their program is successful.
The Golden Financial Services Debt Settlement BBB highly rated program helps thousands of consumers with becoming debt free every year. Contact Golden Financial Services today for a FREE consultation by calling 866-376-9846.