Too many Americans wake up every day stressing about how to pay off another credit card bill… or, their payment is too high… I can’t keep up with all of these monthly payments… I wish I could consolidate my credit cards into one payment…, etc.. Well folks, I bet you did not know that you have outstanding solutions at your fingertips. Before we get into the different options, let us take a look at what the banks are doing to their clients.

How to consolidate credit card debt on your own or are there better options?

Laws were passed to protect consumers from;– being overcharged by the credit card companies and mislead, fraud and abuse.

Banks, credit card companies, and debt collectors are under a tremendous amount of scrutiny and regulation. Consumer protection and credit card related laws such as the Credit Card Act, Fair Debt Collection Practices Act, and Fair Credit Billing Act were passed to protect you, but still, the rate of bank fraud and illegal debt collection is at an all-time-high.

Here are a few major lawsuits and fraud cases filed against the credit card companies and banks, just from over the last few years. (and these are just a few examples, there are many more)

2016 – Chase Bank Sued for Illegal Debt Collection Tactics!

Chase had to permanently halt collections on more than 528,000 client accounts and overhaul its debt-sales practices. More than $50-million dollars in refunds were paid. The bank had to remove any and all negative information illegally reported on consumers’ credit reports. read more…

2015 – Citibank

In July 2015, Citibank was ordered to refund $700 million to 8.8 Million cardholders who were victims of deceptive marketing, unfair billing, and unfair collection practices related to credit card add-on services and expedited payment fees. read more…

2014 – U.S. Bank, GE Capital, and Bank of America

In September 2014, U.S. Bank was ordered to refund $48 million to consumers who suffered because of illegal billing practices related to add-on products for credit cards and other bank products. read more…

Credit Card Debt in the United States – STATISTIC

In the United States, there is more than $15-billion in delinquent credit card debt. (delinquent, meaning the people who are behind on monthly payments by more than 90-days.)

So if you have credit card debt, just know, you are not alone.

A large percentage of Americans don’t know what way to turn. Should they borrow from Peter to Pay Paul? Or is there a less expensive way to pay off debt in 2017?

What is the best way to consolidate credit card debt?

Credit card debt consolidation loans and debt relief programs can give you a nice sigh of relief.

At Golden Financial Services our mission is to cut your debt down to a small fraction of what your creditors are saying you owe. Over the last 15-years, Golden Financial Services debt relief programs have proven to work.

verified reviews and complaints on Golden Financial Services from Trust Pilot Reviews for Golden Financial Services credit card debt consolidation.

These are Verified and Real Customer Reviews from the last 30-days from real clients that used Golden Financial Services to consolidate their credit card debt.

How low can your balances get reduced to, after consolidating credit cards into one payment?

We are here to provide you the answers and to properly explain all of your most beneficial debt relief options that you may qualify for.

(Don’t worry you will not be transferred around to multiple agents, our system has been rigorously tested and is setup to simplify lives. Getting help with your debt has never been so easy.)

What is the best way to consolidate credit card debt with bad credit?

Have bad credit? Consolidation MAY NOT be the right option!

Consolidate credit card debt with bad credit:

If you have bad credit, there are better debt relief programs available than debt consolidation. With debt validation or debt settlement programs, you may end up paying only a fraction of what you owe to resolve your debt. Bad credit will not affect your savings in a debt validation program, in fact, with debt validation — credit repair is included. 

Consolidate credit card debt with a loan

Credit card debt consolidation loans are only a viable option for a person who has a high credit score and who can get approved for a low-interest loan. If you have high debt that you are struggling to pay, you won’t get approved for a low-interest loan, that’s a fact!

You can call 1-866-376-9846 to Speak with an IAPDA Certified Counselor and learn about all of your options to consolidate credit card debt with bad credit.