Do It Yourself Debt Settlement Does It Really Work?
Debt settlement is good alternative to bankruptcy for many consumers struggling with high credit card debt. In most cases, consumers will hire a professional debt settlement company to work with their creditors to pay off their debt at a reduced amount. Fees often range from 15-25% of the amount saved.
But do you need to pay a company to settle your debts?
For most people, it is a good idea to hire a professional company. There are several reasons:
1 The creditors usually take a professional more seriously
2 These companies often have relationships with the creditors and will be able to get you a better deal
3 While the process is not difficult, it does take time, effort, and patience.
However, if you are ready to take on this task by yourself, here are a couple of tips to help you through the process:
Realize that settling a debt is like negotiating anything you need to give something in order to get something.
Just because you feel that you are offering a good deal, does not mean the person you are negotiating with thinks the same way. So, you may have to...
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