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By just paying the minimum payment with even a modest interest rate you will be looking at 30 or more years to become debt free, with a sound debt negotiation program you will be out of debt within 2-3 years or sooner depending on your current financial situation. Now you must understand these are great benefits but as with anything in life there are drawbacks, nothing is perfect and this consumer debt relief procedure is no different. For starters your creditors will not be willing to negotiate a debt settlement at all if you are current with your monthly minimum payments. They would prefer you to stay on their credit treadmill for the next thirty years and pay them back over four times the balance in interest alone. So you must fall behind on your payments to put the creditors into a position where they will be willing to settle. Once you stop paying them the ball game changes completely and they will then be willing to talk in terms of negotiating a settlement. So obviously for some people the beginning of this process will have a negative effect on their credit score. For those who are already falling behind then the negative effect will be no different than it already is. Unfortunately for some people this will be the deterring factor that keeps them from going into debt settlement making them a slave to their creditors for the next thirty years. The good news is that this negative effect does not last forever, in fact once the settlements start coming through your credit score will begin to rebound and go back up. The reason being over 30% of your credit score according to MyFICO is based on how much debt you owe. But if you are stuck in a bad debt situation even if you are current with your payments your score is probably not all that good in the first place, and besides when stuck deep in debt your focus should be on how to get out of debt as quickly as possible, not on your ability to accrue future debt. Now by falling behind on your debts you must understand that these creditors are just not going to roll over and play dead, they will be calling to try and collect the debt. For some this is not a problem at all, for others it is, that is why I stated above this process is not for everyone and the consumer must be in the correct mind set. From my years of helping people there is no rhyme or reason to how many calls you will receive some clients of mine barely get calls while others get them almost everyday. Something to keep in mind too is that no company has the power to legally stop the calls, so any company that tells you they can is flat out lying. As you can see like I said earlier there are pro's and con's, but if you can accept the con's you will be quickly on the road to financial freedom and will save a lot of money in the process. 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Once you stop paying them the ball game changes completely and they will then be willing to talk in terms of negotiating a settlement. So obviously for some people the beginning of this process will have a negative effect on their credit score. For those who are already falling behind then the negative effect will be no different than it already is. Unfortunately for some people this will be the deterring factor that keeps them from going into debt settlement making them a slave to their creditors for the next thirty years. The good news is that this negative effect does not last forever, in fact once the settlements start coming through your credit score will begin to rebound and go back up. The reason being over 30% of your credit score according to MyFICO is based on how much debt you owe. But if you are stuck in a bad debt situation even if you are current with your payments your score is probably not all that good in the first place, and besides when stuck deep in debt your focus should be on how to get out of debt as quickly as possible, not on your ability to accrue future debt. Now by falling behind on your debts you must understand that these creditors are just not going to roll over and play dead, they will be calling to try and collect the debt. For some this is not a problem at all, for others it is, that is why I stated above this process is not for everyone and the consumer must be in the correct mind set. From my years of helping people there is no rhyme or reason to how many calls you will receive some clients of mine barely get calls while others get them almost everyday. Something to keep in mind too is that no company has the power to legally stop the calls, so any company that tells you they can is flat out lying. As you can see like I said earlier there are pro's and con's, but if you can accept the con's you will be quickly on the road to financial freedom and will save a lot of money in the process. Now to get to the meat of the matter and why I named this article "consumer credit card debt relief scams".http://forums.devshed.com/member.php?u=414820 http://forum.threadbanger.com/member.php?u=47089 http://forums.aspfree.com/member.php?u=211494 http://www.gfxvoid.com/forums/member...80-sissalmbast http://fansiteresources.net/forum/me...rofile&uid=502 ever advisable course of action if it can be avoided, it can still help you to get yourself out of trouble if you are young, providing you with the foundation to rebuild your credit and your wealth later on. Any of these options will allow you to get rid of your loan and gain financial relief. Locating the right terms and conditions on debt consolidation loans can make a sizable difference in loan cost. 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If you come into some unexpected money then you should make principal only payments to the loan. By doing this you will help to reduce the balance of the loan, allowing you to pay less towards interest and more towards the balance each month. If you are really in a horrible financial pickle then bankruptcy may be a final option. While this is never advisable course of action if it can be avoided, it can still help you to get yourself out of trouble if you are young, providing you with the foundation to rebuild your credit and your wealth later on. Any of these options will allow you to get rid of your loan and gain financial relief. Locating the right terms and conditions on debt consolidation loans can make a sizable difference in loan cost. 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Once you stop paying them the ball game changes completely and they will then be willing to talk in terms of negotiating a settlement. So obviously for some people the beginning of this process will have a negative effect on their credit score. For those who are already falling behind then the negative effect will be no different than it already is. Unfortunately for some people this will be the deterring factor that keeps them from going into debt settlement making them a slave to their creditors for the next thirty years. The good news is that this negative effect does not last forever, in fact once the settlements start coming through your credit score will begin to rebound and go back up. The reason being over 30% of your credit score according to MyFICO is based on how much debt you owe. But if you are stuck in a bad debt situation even if you are current with your payments your score is probably not all that good in the first place, and besides when stuck deep in debt your focus should be on how to get out of debt as quickly as possible, not on your ability to accrue future debt. Now by falling behind on your debts you must understand that these creditors are just not going to roll over and play dead, they will be calling to try and collect the debt. For some this is not a problem at all, for others it is, that is why I stated above this process is not for everyone and the consumer must be in the correct mind set. From my years of helping people there is no rhyme or reason to how many calls you will receive some clients of mine barely get calls while others get them almost everyday. Something to keep in mind too is that no company has the power to legally stop the calls, so any company that tells you they can is flat out lying. As you can see like I said earlier there are pro's and con's, but if you can accept the con's you will be quickly on the road to financial freedom and will save a lot of money in the process. Now to get to the meat of the matter and why I named this article "consumer credit card debt relief scams".http://forums.tutorialized.com/member.php?u=183732 http://www.freelancemom.com/member.php?u=21538 http://forums.seomoves.org/member.php?u=44962 http://www.soychicano.com/forums/member.php?u=31801 http://forums.aspfree.com/forum-anno...r.php?u=211494 ever advisable course of action if it can be avoided, it can still help you to get yourself out of trouble if you are young, providing you with the foundation to rebuild your credit and your wealth later on. Any of these options will allow you to get rid of your loan and gain financial relief. Locating the right terms and conditions on debt consolidation loans can make a sizable difference in loan cost. 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Once you stop paying them the ball game changes completely and they will then be willing to talk in terms of negotiating a settlement. So obviously for some people the beginning of this process will have a negative effect on their credit score. For those who are already falling behind then the negative effect will be no different than it already is. Unfortunately for some people this will be the deterring factor that keeps them from going into debt settlement making them a slave to their creditors for the next thirty years. The good news is that this negative effect does not last forever, in fact once the settlements start coming through your credit score will begin to rebound and go back up. The reason being over 30% of your credit score according to MyFICO is based on how much debt you owe. But if you are stuck in a bad debt situation even if you are current with your payments your score is probably not all that good in the first place, and besides when stuck deep in debt your focus should be on how to get out of debt as quickly as possible, not on your ability to accrue future debt. Now by falling behind on your debts you must understand that these creditors are just not going to roll over and play dead, they will be calling to try and collect the debt. For some this is not a problem at all, for others it is, that is why I stated above this process is not for everyone and the consumer must be in the correct mind set. From my years of helping people there is no rhyme or reason to how many calls you will receive some clients of mine barely get calls while others get them almost everyday. Something to keep in mind too is that no company has the power to legally stop the calls, so any company that tells you they can is flat out lying. As you can see like I said earlier there are pro's and con's, but if you can accept the con's you will be quickly on the road to financial freedom and will save a lot of money in the process. Now to get to the meat of the matter and why I named this article "consumer credit card debt relief scams".http://forums.seochat.com/forum-rule...r.php?u=230640 http://forums.devarticles.com/member.php?u=204357 http://forums.devshed.com/forum-rule...r.php?u=414820 http://forums.devarticles.com/forum-...r.php?u=204357 http://www.ba-forums.com/member.php?u=121448 ever advisable course of action if it can be avoided, it can still help you to get yourself out of trouble if you are young, providing you with the foundation to rebuild your credit and your wealth later on. Any of these options will allow you to get rid of your loan and gain financial relief. Locating the right terms and conditions on debt consolidation loans can make a sizable difference in loan cost. 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If you come into some unexpected money then you should make principal only payments to the loan. By doing this you will help to reduce the balance of the loan, allowing you to pay less towards interest and more towards the balance each month. If you are really in a horrible financial pickle then bankruptcy may be a final option. While this is never advisable course of action if it can be avoided, it can still help you to get yourself out of trouble if you are young, providing you with the foundation to rebuild your credit and your wealth later on. Any of these options will allow you to get rid of your loan and gain financial relief. Locating the right terms and conditions on debt consolidation loans can make a sizable difference in loan cost. 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