DEVELOP A PLAN
FOR
GETTING OUT OF DEBT & STAYING OUT OF DEBT
This is confusing. How do I get out of debt? Do I use debt settlement or debt counceling? What about a bankruptcy lawyer or debt elimination services or should I refinance my home. Is debt consolidation what I want? We will discuss all these options.
Not all companies offer the correct debt help for each person. This is why we evaluate your situation either on the phone and/or in person and help you determine the best stategy for your situation. If what we do is the best strategy for you, great. If not, we will point you in the right direction to help you solve your particular problem.
The bottom line is that we can help. There are very legitimate ways to fight back and execise your consumer rights. CT State Laws also offer some protection to consumers. We give you the best fighting chance at getting out of debt without bankruptcy.
We have helped hundreds of people in Connecticut. References are available from people we have helped before you.
If you have been sued, we can refer you to lawyers who specialize in this area of law. We can stop the collection calls immediately.
What we do is unique in the industry. There are many things that can be done to get out of debt. But I'll tell you right now, the uninformed consumer gets taken advantage of because you probably don't know how the industry works. A person quickly goes from being a good hard working person who always pays their bills on time, to being a debtor overnight. One "bump in the road" is all it takes. How can you win at a game, if you don't know the rules? You can't. If you call us, you can.
You can blame yourself for spending too much or not managing your money properly, but you are in for an awakening when you learn about the credit card industry. Once you get into credit card debt it is virtually impossible to get out without a large sum of money. You have most likely been lent more money than is even reasonalble. This is what I call predatory lending or credit card lending abuse.
Don't just refinance and secure your unsecured debt. This may be the biggest mistake consumers make. If you can't pay the higher mortgage you can lose the house. Call us first. If it's the right move, I'll tell you.
Filing for Chapter 7 or 13 bankruptcy could be a bad choice. It will be on your public record for 20 years and on your credit report for 10 years. If bankruptcy is the best move for you, we'll tell you so. If you can't file, or don't want to file, or don't really need to file, or you just don't know what to do, call us first. We discuss all your options and help you decide the best move for you.
We work for you. Most of the others, especially non-profits, work for the credit card companies. These are back door collectors working for the credit card companies. We work for you!
Don't feel bad that you have overwhelming credit card debt. There is over $950 billion in consumer credit card debt in America. $40 billion of it is in collections. You are not alone. Credit card companies make billions and billions of dollars a year on the outrageous interest rates that they charge, over-the-limit fees and late fees. Last year credit card companies made over $20 Billion on late fees alone!
Credit card companies do not play fair. They have extended credit well over people's ability to ever pay it back. They also only require you to pay a small percentage of the balance, and at that rate, you could be paying for life -- and you will pay at least two to three times the amount you owe.
Other tricks they play:
Bait and Switch: This is when you fill out an application for 9%. What happens then is they decide to send you a card at 15%. Very few people remember what the terms were and just go ahead and use the card.
Late Fees in Minutes: You might think the bill is due on the 15th. What you do not realize is it is due at 10:00 AM on the 15th. The mail gets delivered at 1 PM, and you get hit with the late fee. $35 or more.
Remove the Late Fee / Up the Rate: If you call and dispute the late fee (if you can even get someone to talk to you about it), they might remove the late fee but then increase your interest rate instead. This happens all the time.
Over-the-Limit Fees: So you pay late and they lower your credit limit. You pay late again, and you get hit with a late fee AND an over-the-limit fee. $85.00 this month.
Musical Address: This is a game they play to make people late. They often change the P.O. box number so people who pay automatically on their computers will send the payments to the old P.O. Box. By the time it gets to the correct P.O. box, it is late. If you can make one million people late one month, that is $35 million extra that month.
Debt Elimination Services, LLC.
29 Soundview Road
Building 1, Suite 11A
Guilford, Connecticut 06437
(203) 458-1200
E-Mail: DESofCT@aol.com
Connecticut Residents only please!
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