Credit Card Hardship Programs





Best National Credit Card Debt Hardship Programs for 2014 - BBB A+

Solutions at Golden Financial Services will ease your stress and save you money.  We can tailor a Credit Card Hardship Program unique to your circumstances. We will aid you with eliminating debt and improving your overall financial health.  Call 866-376-9846, or Start by Filling out the Contact Form on the Right.

Credit Card Hardship Programs at Golden Financial Services

Allow you to Avoid Bankruptcy

BBB “A+” Rated & 10+ Years in Business

 Reduce Monthly Payment

Become Debt Free in 24-36 Months on Average

Get a Free Consultation After Filling out the Form on the Right or by Simply Calling 866-376-9846 Today!

There is more than 856.8 billion dollars’ worth of credit card debt circulating this country. Millions of consumers are behind on their credit card payments today.

There are times where consumers have a hardship, but not an extreme one, where their biggest problem could be that their interest is too high. Maybe they can only afford to pay minimum payments, but with a 25% interest rate they realize their debt may never be paid off, when paying only minimum payments.

In other situations, people have extreme hardships. Their income has gone down, but their credit card monthly payments are still just as high as ever. Every single day thousands of Americans are trying to figure out if they should fall behind on their unsecured debt, or mortgage payment, and even contemplating bankruptcy.  This is no way to live!

It gets even worse.  Some of us are already behind on our monthly payments. We have creditors hounding us for payments. They’re calling and harassing you every single day.  They may even be abusing and violating your consumer rights. Or maybe you have recently been served with a lawsuit.  You could be living a financial nightmare.

The good news is that there are Credit Card Hardship Programs available. 

Depending on your income, expenses, if you have a hardship, and other circumstances that we analyze, on a case by case basis, defines what credit card hardship program you could qualify for.

Before you sign up for a credit card hardship program, simply call your credit card companies.  Hardship situations when explained to your creditors, sometimes will lead to them working with you direct.  Other times they may not work with you direct, and hiring a company like Golden Financial Services, will be your best resolution.

Let’s take a closer look at Credit Card Hardship Programs that are available in the United States (U.S.). 

AT ANY TIME CALL 866-376-9846 FOR A FREE CONSULTATION OR START BY FILLING OUT THE CONTACT FORM ON THE UPPER RIGHT.

The Best National Credit Card Hardship Programs –

As of 2014

OPTION ONE CREDIT CARD DEBT RELIEF PROGRAM

Credit Card Hardship Program – OPTION ONE

Consumer Credit Counseling (Debt Management & Consolidation are Synonyms) – This credit card hardship program could be the paramount answer for a consumer who can only afford to pay minimum payments, on high interest accounts.

BENEFIT OF CONSUMER CREDIT COUNSELING

         A.  Clients are set up with one monthly payment.  Out of that monthly payment, the consumer credit counseling company distributes individual payments each month to the creditors.  This makes it easier for a person because having multiple monthly payments, can lead to a person forgetting to send all of their payments on time, and being late.

         B.  Interest rates are usually lowered after joining on this type of credit card hardship program. It is common for a person to have a 30% interest rate, lowered to 8%.

         C.  Less of an initial impact on credit, when compared to debt settlement and bankruptcy.

To learn more about consumer credit counseling visit here.

DOWNSIDE

         A.  Your program payment will be close to what you’re paying when paying only minimum payments on your own This is often what prevents people from qualifying on a consumer credit counseling program.  They can’t afford it. Consumers with a hardship are usually looking to drastically cut their monthly payment and get out of debt fast.

         B.  This type of program will last for close to 5 years, which is longer than the average length of a debt negotiation program.

         C. You will pay back the full amount owed, and interest, upon graduation.

CALL 866-376-9846 FOR A FREE CONSULTATION OR START BY FILLING OUT THE CONTACT FORM ON THE UPPER RIGHT.

 

Credit Card Debt Hardship Program - Option #2

Credit Card Hardship Program – OPTION TWO

Debt Settlement Services (Debt Negotiation & Arbitration are synonyms) – This is the preferred option for a person who has an extreme hardship and has fallen behind on their payments. This is a great alternative to bankruptcy. To compare credit card hardship programs to bankruptcy, visit here. 

BENEFIT OF DEBT SETTLEMENT

           A.  Debt free in 3 years or less on average.

           B. Pay back less than the total owed. Your debts will be negotiated down, settled and satisfied.  If you owe $20,000, we would quote that you will end up paying back a grand total of only $12,800 or less, and that includes our fee. 

Try this hardship, credit card program calculator!

          C.  A person is setup with a single monthly payment, making it feasible to manage their debt payments.  (Creditors are not paid on a monthly basis, but rather in lump sum payments at the time when settlements occur.)

Here is how the settlement process works:

You simply make one comfortable monthly payment that we setup for you based on your budget and other circumstances.  Each month your money will be deposited into your trust account that is solely in your name. As money accumulates, we start negotiating.  Using leverage, proven strategies and established creditor relationships we aggressively negotiate to solidify the largest savings for our clients. Once you approve the settlements that we obtain for you, the funds are then released and paid directly to the creditor, and you are then provided written proof that your debt was satisfied and has a zero dollar balance.

Additional Benefits When Joining Through Golden Financial Services

         -  Golden Financial Services has been in business since 2004, is A+ rated with the BBB and members with the Chamber of Commerce.

         -  Clients are matched with a federal and state attorney.  Their attorney will provide them with legal protection while they are on the program.

         -  Golden Financial Services can help you to rebuild your credit score after you graduate on the settlement program.

         -  While you are enrolled on the program you will learn about the Fair Debt Collection Practices Act. This will empower you with the knowledge that everyone should have, pertaining to debt collection and your consumer rights.

To learn more about debt settlement services visit here.

DOWNSIDE

          A.  There will be an initial negative impact on your credit score after joining the program.

          B.  Creditors can sue a person at any time when they are enrolled on a debt settlement program.

          C.  You may get harassing creditor phone calls in the beginning of the program.  Your creditor’s will be contacted and directed to contact your legal team once you are a client, rather than calling you.

CALL 866-376-9846 FOR A FREE CONSULTATION OR START BY FILLING OUT THE CONTACT FORM ON THE UPPER RIGHT.

DISCLAIMER: *Results may vary with debt negotiation at Golden Financial Services and there are fees included.  We will not assume your debts.  Tax consequences could occur when a person pays back less than the full amount owed on a debt.  A tax professional can assist you with dealing with any tax consequences. With debt negotiation late fees will most likely accrue after joining on the program and this will increase your balances.  However, at the time when your accounts are settled, your entire debt including any accrued fees and interest will be entirely resolved.  Personal information submitted on this website will be kept confidential and never sold to a third party. Not all states qualify for the Golden Financial Services Credit Card Hardship Program.

Golden Financial Services assisted a client with saving $9,800 between 3 of their credit cards, that were enrolled on the debt settlement credit card hardship program.
Debt Settlement Credit Card Hardshp Program
Date Published: 12/17/2013
5 / 5 stars

 

 

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