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Credit Card Relief Programs

26,789 Happy Clients Used These Credit Card Relief Programs To Become Debt-Free in 2016!

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Credit Card Relief Programs can give you one low monthly payment and get you out of debt fast, but if you’re on the wrong plan you can end up in worse shape in the end. Be smart — take the time to review the “Pros” and “Cons” of each credit card relief program, before signing up for one.

Since research can be very time-consuming, we’ve simplified the process for you. All of the most effective debt relief options are presented on this single page, illustrating the benefits and downsides to each program.

Here at Golden Financial Services, you can pick from any of the top national debt relief options currently available — including debt negotiation, debt consolidation, and debt validation. These programs have all proven to work.

Golden Financial Services and our partner teams across the nation have spent millions of dollars over the years on researching and testing new debt relief options and on improving our current program infrastructures — and the results speak for themselves — hundred’s of positive online reviews, no BBB complaints and an A+ rating (Click to Verify at BBB.org), and numerous awards in the last 18 months from companies including TrustedCompanyReviews.com (Click to Verify #1 Rated) and FinancialProductReviews.com.

Without further delay, here you go…

Credit Card Relief Program #1 – Debt Validation


Validation gives you what you want:

  • Can be the least expensive debt relief option and gives you a single affordable payment.
  • Credit Restoration is included to remove inaccurate items on your credit reports.
  • Comes with a written “Money Back Guarantee.”
  • You get to defend yourself from illegal debt collection under the Fair Debt Collection Practices Act, the Credit Card Act, and the Fair Credit Billing Act.
  • Your alleged debt collectors will be forced to validate their right to collect on your alleged debts. If they can’t validate a debt, you don’t have to pay it.
  • Graduate the program in 24 months or less (the average).
  • You will get a nationally recognized debt relief support team who’s there to assist, update and answer your questions on a daily basis by phone or email.


  • Not all accounts will be eligible.
  • Not all states qualify.
  • May affect your credit score.

Talk to an IAPDA Certified Debt Counselor Toll-Free 866-376-9846

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Best Rated Credit Card Relief Programs

Credit Card Relief Program #2 – Debt Settlement

Debt Settlement


  • Debt negotiation, also known as debt settlement, can help you to resolve your bills within 3-years or less (the average).
  • Pay less than the total balance owed to satisfy a debt.
  • One small monthly payment will take place for the consumer.
  • Attorney FDCPA defense & protection included on each client’s plan. If creditors violate a client’s legal rights, FDCPA and legal protection are available.
  • With debt settlement services, a client who finishes the program ends up paying less than their total debt owed.
  • After 13-years in business, Golden Financial Services has established proven methods and aligned with the best debt settlement representatives in the nation, to ensure clients get nothing less than fantastic service.


  • Will hurt credit scores.
  • Your creditors don’t have to settle.
  • May result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest.
  • Consumers are supposed to pay taxes on a forgiven debt. There are tax forms that can assist consumers on this subject that a licensed tax preparer can help on, to evade having to pay taxes on the money saved if a person is insolvent. (IRS #982 Form)

Credit Card Relief Program #3 – Consumer Credit Counseling (Debt Management)

Consumer Credit Counselling


  • Late fees can be “waived” with debt management.
  • Interest rates can be “lowered” on a debt management plan.
  • Overall monthly payments can be reduced once getting approved on the program.
  • Client’s are only responsible for a single monthly payment, making life easier.
  • No creditor harassment should occur when using a debt management plan.


  • Third party adverse notation reported on a person’s credit report.
  • Debt management plans last for on average 48 months, which can be longer than if a person was to join on a debt settlement program.
  • Higher payment than on a debt settlement program. With a debt management payment, it’s usually smaller. Click here to take a closer look at debt settlement vs. debt management.
  • Some debt management companies will charge high hidden fees. Consumers should only enroll with a nonprofit BBB “A+” Rated Company.

Talk to an IAPDA Certified Debt Counselor Toll-Free 866-376-9846

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Credit Card Relief Option #4 – Bankruptcy



  • Bankruptcy may save your home from foreclosure.
  • Bankruptcy can provide quick debt relief. (within months)
  • Bankruptcy can stop wage garnishment.
  • Bankruptcy can be used to cease or stop creditor harassment.
  • Certain debts will be “discharged” in bankruptcy.


  • Chapter 7 bankruptcy could lead to the possible loss of nonexempt property.
  • Bankruptcy can ruin a person’s credit for 7-10 years.
  • Attorney fees can be high, plus court fees, plus pre-bankruptcy credit counseling fees and possibly more fees for the credit education course required after filing.
  • Chapter 13 bankruptcy payment plans can last for five years, and a consumer’s payment will typically be higher than what it would be on a debt settlement program.
  • Credit Card Relief Programs including debt settlement and debt management are much better options for consumers needing debt relief if they can qualify. However, sometimes consumers will not qualify for these programs and bankruptcy is their only option.
  • It is important for consumers to read and get educated for free, before joining on any program.

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