I am a professional affiliated with American Debt Enders, a personal debt management, debt settlement and free debt counseling referral service offering multiple services and solutions.
American Debt Enders is a contractual affiliate of Consumer Debt Solutions a BBB Member. Visit www.consumerdebtsolutions.net for Better Business Bureau information. Our goal is to help you achieve debt freedom using the mechanisms offered by the program which offers the most suitable solution for your situation, and helping to keep you debt free by helping to educate you to become financially literate. Even if you do not enroll in one of our programs our intention is for you to be financially wiser after your interaction with us.
Mission Statement
To provide the best possible solutions to anyone suffering from a debt problem, so they may move forward to live a debt free life. Whether the problem was caused by illness, divorce, a sudden drop in income, or just overspending, People who enjoy debt freedom not only lead fuller and richer lives themselves, they also help contribute to the overall health of the national economy. It's not about how much you make, it's about taking control.
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Information you should know
This program works! It is a unique program which utilizes debt settlement and excellent representation to substantially reduce your debt. Additionally, letters are sent to creditors notifying them of your legal representation.
What is the cost? The entire program will cost approximately 55% of what you owe, legal fees included, paid in affordable monthly insallments. Each program is customized for your individual situation, insuring the best chances of success.
Guarantee:
Depending on which settlement program you are enrolled in significant warranties exist. You do not pay any money at the time of enrollment .
More Advantages:
. Depending on which program you enroll in, you will receive a subscription to “Credit Coach”. This program allows you to see all 3 of your credit reports free anytime. It also analyzes your reports and provides personalized information and tips on how you can improve your own score.
• Debt will be eliminated in 1 to 3 years.
• You will save thousands of dollars.
• Your monthly payments will drop dramatically.
• You make one consolidated payment per month.
• Excellent legal representation ensures that all federal laws governing your creditors have been and are being followed.
• While you may still receive creditor phone calls you will be fully instructed on how to handle them. In other words, you will not be alone but will have expert resources at your disposal until you are free of all your debt.
• Full disclosure is made to you during the consultation about both the pros and cons of this program.
Types of Unsecured debts which may be put into this program are: Bank Credit Card Debts, Store Card Credit Card Debts, Credit Union Credit Card Debt, Non Government Issued Student Loans, Medical Bills, Payday loans, Business Credit Cards
Most debt settlement programs will only accept you if you have $10,000 or more in unsecured credit card debt. Our settlement and debt management programs will accept as little as $5,000.00. If you are in collections, cannot afford your current payments, are either not a candidate or are unwilling to file a bankruptcy, you may be the ideal candidate for this program. Call me or fill out the contact form on this page for a free no pressure consultation to see if we can help.
Debt Management Program
A debt management or debt consolidation program is designed to pay off your unsecured debts (usually credit cards) in full, over a period of not more than 5 years. The program is non-qualifying. That means that if you are living and have a desire to become debt free and the means to make monthly payments, you can qualify for this program, your current credit score is not relevant. This program can be an excellent means of paying off your credit card debt but is not the answer for all individuals.
The banks control this program. Shopping companies to get a better payment or rate is a complete waste of time. The new lower interest rate you receive is pre-determined by the bank that the credit card is with. The new monthly payment in the program is also pre-determined by the bank the credit card is with. The new interest rate and monthly payment for each credit card put into this program is unique to that bank. For example, Bank x may reduce your interest rate from its current 32% to 8% and also reduce your monthly payment from your present 3% of the balance to 2.2% of the balance. Bank y may reduce your interest rate from its current 25% to 12% with a reduction in monthly payment from 3% of the balance to 1.75%. Generally speaking the savings in both payoff time and money can be staggering by utilizing this program.
If you are currently in a situation where you are beginning to fall behind on your payments due to high interest, over limit and late fees than you will want to see what this program can offer you with a free analysis and quote for your unique situation. That debt consolidation analysis must also include a look at your current expenses and income. While this program will reduce your monthly payment, your ability to maintain these reduced credit card payments must be considered. If you are unable to sustain the new reduced payment on time, there is a good chance you will be dropped from the program, by the banks. The reason the situation occurred is also important.
Important Points:
Any credit cards put into a debt consolidation program will be closed. It is understandable that the banks do not want more debt piling up as you are paying off. This program is not used as a direct calculation in determining your credit score, however, a notation will be placed on your credit report that you are participating in a Debt Management Program. If you determine that this program is right for you, than, if possible, you should keep one card out of the program for use in an emergency, we can help determine which card may be best to keep.
Credit Restoration
If you are no longer in debt and need help raising your credit score, please do contact us. We have excellent programs available to help you. Please fill out the contact form and an affiliate will contact you.
Please Note: American Debt Enders is not a direct provider of Debt Management , Debt SettlementOr Credit Restoration Services. This website is owned by Grace Unlimited, LLC, Under the DBA name “American Debt Enders,Registered with the Secretary of State in New York.