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Credit Card Relief Programs

Credit Card Relief Programs (Compare your options for 2018)

Credit Card Relief Programs
  1. Cut your balances
  2. Reduce your interest rates
  3. Make your payments affordable
  4. Stop abusive creditors
  5. Get inaccurate and derogatory marks off your credit report
  6. Consolidate your debts into one
  7. & Eliminate your debt fast

"Table of Contents": To Learn About Each Credit Card Relief Program—SIMPLY CLICK ON THE PLAN!

The Federal Reserve is expecting credit card interest rates to rise again in 2018, so it’s imperative to act now. Credit card relief programs can reduce interest rates, and in some cases, eliminate interest entirely. This quick guide to credit card relief programs is a surefire resource to help you find the right plan to eliminate your debt fast!

You are not alone … Look at these stunning credit card debt statistics.

  • Credit card debt increased by 7% over 2017 and hit an all-time high exceeding $1-trillion
  • Federal Reserve reports illustrate that credit card interest rates will rise again in 2018
  • Americans have $15+ billion in delinquent credit card debt (where they are more than 90-days behind on monthly payments)

How to Enroll in a Credit Card Relief Program?

Enrolling in a credit card relief program has never been easier. Talk to an IAPDA Certified Credit Card Relief Counselor for FREE @ (866) 376-9846. Golden Financial Services has been specializing in credit card relief programs since 2004 and maintains a perfect A+ Better Business Bureau rating (with zero complaints).

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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.
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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)
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Debt Calculator

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Enter your total debt
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Debt amount must be greater than $7,500!
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is your minimum monthly payment for total debt!
* Put the average interest rate that you are paying or that you were paying on your accounts. This will be used to calculate how much you would end up paying when staying current on your accounts. The interest rate that you put in here, will not effect the figures that are calculated for the consumer credit counseling and debt settlement programs.
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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.
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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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