Is it cheaper to settle debt on your own then though a debt settlement program?
I have a lot of debt and considering settling these debts without a debt settlement company. Their are many debt settlement programs that promise to save you 50% while other companies promise to save you up to 75% of total debt you owe. How can one company be better then the other, after all, in the end all they can do is negotiate and ask for a lower amount as settlement. I also bought a Ebook that teaches you how to settle credit card debts and payday loan debts on your own. It seems simple enough and contains all the letters that you need to send out and takes you step by step to settle your debt. Their are also many well written letters online. Sure they may be more experienced and save you an extra 0-0, but with the cost of the programs sometimes exceeding ,000, the amount you did save is just going towards the debt settlement program. I’m guessing that debt settlement program is for people that don’t want to dealer with creditors at all because they answer all the calls, send out all the letters such as debt validation letters, and do all the negotiating for you. Whats your opinion.
I know people who have filed bankruptcy, used the settlement programs and took care of it themselves. The only one that ever was an issue was the settlement programs. They are simply middle men looking to make up for your laziness. All you need to do is 1) figure out all of the debt 2) assess your situation: if you only make $20k a year and you owe $20k then its going to take a while. My buddy is on his final year of 3 of paying back his debt and living on the cheap. Tough but he did it. My other buddy is on the last year of his bankruptcy (7 years on your record I think) and has a house, car toys n such already. Another friend is intent on paying of her student loan asap, she makes bank and still puts everything towards that loan first. Finally bought herself a tv this year. You don’t need credit. Extra jobs to make extra cash always help too.
December 4th, 2009 at 2:15 amyour best bet is to talk to an accountant and see if he can work out a plan for you to do yourself.
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It is better to seek help from any reputed debt settlement company. Such companies can handle it properly and get a better settlement . I took help of freedom debt relief to settle my debts. I joined their debt settlement program one year back and almost debt free now.
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December 4th, 2009 at 2:15 am