Debt Relief

If you’re having a hard time paying your bills, you know all too well the agony of debt burden. Staying up at night thinking through what you owe, working non-stop to pay the bills, being endlessly stressed and worried – all of these are unpleasant interruptions to your life, and can be solved with debt relief help. If you’re exhausted from receiving notices and phone calls from creditors, and living in constant dread and fear for your financial future because your accounts have been turned over to debt collectors, you need debt relief as soon as possible. Too many people are living in fear of losing their home or car, and of not being able to provide for their families in the way they would like. Simple things like buying groceries or paying for your children’s field trips shouldn’t be stressful. Worrying about these issues, as well as others, is not a good feeling, and one that causes stress and even health problems. Financial stress can cause people to lose sleep, to be unable to focus at work, to gain or lose significant amounts of weight, to develop migraines and other issues, or even to develop high blood pressure. Financial stress is dangerous and unpleasant, and can often consume your thoughts. But this doesn’t have to be the case. Don’t let debt burden get the better of you. Your situation doesn’t have to be as dire as it is, and it can be solved with some help from debt relief experts.

At Debt Relief Network, we understand that things happen in life. Maybe you’re in debt because of an illness or job loss, or maybe you made some financial mistakes in the past and overspent. Whatever the reason for your debt, you don’t have to live in a constant struggle. People hit rough patches in life, whether they come in the form of hospital fees or taking care of a loved one, an accident or a downsizing at your office. Most of the time, debt comes when you least expect it, and often it’s not your fault. Financial crises are not uncommon, and many people will go through a period of debt in their life. Even if you overspent and maxed out your credit cards, some of the blame lies with the credit card companies. You might be kicking yourself for being irresponsible with your finances in the past, but all you need to focus on is the present and the future. By making a conscious decision to get your finances in order and pay off your debt, you’re already headed in the right direction. What is important to know is that Debt Relief Network is on your side, and we’re here to help you get out of debt as quickly and painlessly as possible.

First of all, you should realize that your debt burden is not entirely your fault. Some of the blame is on your credit card company. Credit card companies often take advantage of consumers, extending lines of credit far larger than they should, and burying the consumer in contracts full of legal jargon. Most consumers don’t read their full credit card contracts because they’re long and dense and full of legal language. These contracts are difficult if not impossible to understand completely, so most consumers just assume they’ll be fine, and are then shocked when they’re hit with massive interest payments or late fees on their credit cards. Credit card companies do this on purpose. Just because legally they are in the right, morally, they are still wrong. When you try to argue, the credit card companies have legal and financial experts on their side, while you don’t. This can often leave you feeling helpless. Similarly, when you’re applying for a credit card, you trust these financial experts, so you assume they’re right in deeming you credit worthy and extending you a long line of credit. In reality, they might know in advance that you’ll never be able to pay off your debt if you reach your credit limit, and they know that they can then make money off of your interest fees and late fees. This is a cruel trick, but is also the reality, and now that you’re informed you don’t’ have to let it happen again. Don’t let credit card companies trick you into this in the future. If it’s too late and you’re already burdened with credit card debt, call your creditors immediately. Talk with them about how you’re having difficulties making payments, and ask them if they can create a modified payment plan that will reduce your monthly payments. It’s better to make more, smaller monthly payments than to have your debt turned over to a collection agency. Take proactive steps to work with your credit card companies now. Don’t wait until it’s too late.

It’s also important to remember that you have legal rights when it comes to debt and collection agencies. While collectors will try to contact you whenever you can, often when it’s most inconvenient, by federal law there are only certain times of the day that collectors are actually allowed to contact you. They’re not allowed to call you while you’re at work if your employer doesn’t approve calls, or before 8am or after 9pm at your home. Collectors are also banned from harassing you, lying to you, or using sly or unfair tactics to attempt to collect a payment. If you write to a collection agency and ask them to stop contacting you, they are forced to honor that request. Most collectors take advantage of the fact that consumers don’t know their rights. However, if you alert your collection agency to the fact that you know your federal rights when it comes to debt collection, they will have to cut back on how often and when they contact you, as well as how they interact with you when you do answer the phone.

This all sounds more simple than it is, and most people, when on the phone with collection agencies or credit card companies, feel pressured or harassed into making payment deals they’re not comfortable with. In these situations, it’s helpful to have a debt relief agency on your side to talk with the collectors and credit card companies on your behalf. Debt Relief Network has a proven track record of negotiating terms with credit card companies that result in significant changes in your payment plans. When collection agencies and credit card companies try to bully you into unfair payment plans, we know how to bully back. We have extensive experience in negotiating lower payments for our clients, so that they can live a less stressful life while still paying off their debt. Usually, we can talk the credit card companies and collection agencies into consolidating your payments into one lower monthly payment. This frees up more money for you to spend on things like your family, groceries, paying other bills, car payments, housing costs, and general spending. Get in touch with Debt Relief Network today to lower your payments and live a more peaceful, debt free life.