Have High Credit Card Debt & Bad Credit? Debt Consolidation, Settlement & Debt Relief Options are Available at Golden Financial Services, one of the best debt relief company’s in America. Become Debt-Free in Three-Years or Less, on Average! Call 866-376-9846 to Get A FREE CONSULTATION AND SAVINGS QUOTE NOW!
A+ Better Business Bureau (BBB) Rated & 10+ Years in Business – Zero Complaints – Hundreds of Testimonials – See GOLDEN FINANCIAL SERVICES’S “A+” BBB Rating, BY CLICKING HERE AND VISITING THEIR BBB PROFILE PAGE!
Golden Financial Services is one of the few debt relief company’s that has an A+ rating. Our programs either come with a specialized attorney in your state who provides you with legal protection and where fees are only earned when your debt is resolved, or you can opt in to have a 100% Money Back Guarantee included with your program and get a credit repair program all-in-one, depending on your situation and needs.
A non-profit debt consolidation service or plan, also known as consumer credit counseling, credit card debt consolidation, bad credit debt consolidation and debt management, is a great option for a person that has high interest, and wants it lowered. It is common for a person with a 30% interest rate, to have it lowered to 8%, after signing up on this type of program.
If you have too many credit cards, consolidation will make it easier to pay your bills each month because you will have only one monthly payment to keep track of. After filling out the form below, you will be contacted by an experienced Debt Specialist from Golden Financial Services. We will provide you with all of your debt relief options and find the best program for your circumstances! The consultation will be absolutely free and you will not be obligated to anything.
With Debt Management, Consumer Credit Counseling, or Debt Consolidation plans you will not have to fall behind on your bills. Therefore you will not have to deal with any creditor phone calls or at least not many. The bad news is that you will have a third party notation report on your credit report, for up to seven years, after joining on a debt consolidation program. Creditors look down on a consumer credit counseling or debt consolidation third party notation, if in the future you decide to apply for a loan or credit of any type.
On a debt consolidation program, the company would contact your creditors and make payments to your creditors on your behalf.
Sometimes a person may have many different credit cards with high balances and high interest. However they really don’t have a hardship and can easily afford making their monthly payments. They are looking to consolidate their bills in order to have only one monthly payment to worry about each month. They are also wanting to lower their interest rate a little, so they can become debt free in 4-5 years, rather than 8-10 years which is probably what it would be if they continued making their minimum payments on their own. A non-profit debt consolidation service may be a good option for this person.
A consumer credit counseling or debt consolidation company will attempt to work out a lower interest rate for you to pay on each card, then combining all your payments into one monthly payment. That payment will usually come out to less than what a consumer would be paying on their own by paying minimum payments, but not much less.
Will the creditors always work with non-profit consumer credit counseling companies?
Sometimes a creditor will NOT work with a debt consolidation company, even if it’s a non-profit company, so be careful! Always look at the details on each of your creditors when signing up for a consumer credit counseling program, to ensure that they are actually lowering your interest.
You really need to be aware of the details on each of your creditors, so that you can intelligently weigh the benefits of the program.
Consumers beware of the following!
Sometimes a company will sign you up for their program even if all of your creditors will not work with them. If that is the case, the consolidation company would then be doing very little for you. All the company would be doing is including your regular monthly payment and interest rate for each creditor, into the debt management plan, not saving you any money and actually costing you money because their fee will also be tacked onto the payment.
The benefit of having only one monthly payment:
The debt consolidation company will consolidate your bills so that you only have one monthly payment each month. That makes it easier to pay your bills, so that you’re not having to mail out individual payments to the creditors on your own each month.
If you have the money, pay more than minimum payments and get your balances paid off on your own and fast! This will also help to raise your credit score.
If you want to stay current on your bills, but would like a lower interest rate then definitely look into a debt management plan. Contact a non profit consumer credit counseling company or contact us today and we will match you with one of our “A+” rated preferred partners. Keep in mind, on a debt management plan you will pay back the entire amount, plus interest, but it will most likely come out to less than what you would pay on your own.
Get a Free Consultation by calling 866-376-9846 or start by filling out this online debt relief application.
Here at Golden Financial Services we specialize in debt relief, so we can definitely help you!
Before signing up for a credit card debt consolidation program learn about all credit card relief programs currently available in the United States, ensuring that you are fully informed. We recommend that you also learn about debt settlement services here.
Debt consolidation is also known as:
Credit Debt Consolidation
Debt Relief Consolidation
Non Profit Consumer Credit Counseling
Bad Credit Debt Consolidation (Often, when people inquire about this type of assistance it’s a misconception, they are really looking for a hardship program such as debt settlement, and it’s really not debt consolidation that they are needing. People automatically look for consolidation due to the fact that it’s a popular search phrase, when seeking assistance with credit card debt, and if they have bad credit they will label it bad credit debt consolidation.)
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