So you were a little short on cash one day and decided to try one of those payday loan companies that are constantly being advertised on TV. The application process was easy and the terms seemed pretty reasonable. Then, payday came along, and you were a tad short again; so again, you got a payday loan. Soon, you were depending on these loans more than you should have, and then there came a day when you couldn’t pay back the loans in full when payday came along. Your debt piled up, fees added up each week, and now you are in a financial mess, looking at debt consolidation options.
If this scenario seems familiar to you, take heart. Many people today are suffering financial problems and are living under mountains of debt. The reasons are many: job loss, illness, divorce, and other life changes. There is no reason to feel ashamed or embarrassed by your situation — but you do need to find a way to fix it.
Most people think that bankruptcy is the only option and often turn to bankruptcy help before fully investigating other avenues of help. The fact is there are many different ways you can get help with debt that seems out of control. Simply ‘push the button’ on our website, and you can find a way to deal with your debt in a fair, reasonable and equitable way. Whether you want advice on bankruptcy, payday loan debt settlement or debt consolidation advice, we can help.
The problem with payday loan companies is that they are not fully regulated by the government, as banks are. They can charge fees that add up to almost twice what a credit card interest rate would be, and they can be brutal when it comes time to collect. They are friendly when you want the money, but when you tell them you can’t pay it back, they can become very nasty, indeed.
Let’s face it: no one wants to default on their debts, and no one wants to depend on short-term loans for the rest of their lives. If this were a perfect world, we would all have enough money for the things we want and need. Unfortunately, this is not a perfect world, and there may come a time when you need some debt settlement options to consider.
If you need help with debt and are not sure where to turn, just push the button on the website and one of our qualified advisers will contact you. Your personal information will be kept confidential and you will never be treated like a number, or like you’ve done something wrong. We pride ourselves on treating all of our clients with the utmost respect, regardless of their situation.
If you own a home, there are bankruptcy settlement options that will allow you to keep it; you can also keep other assets like your car and jewelry. Debt consolidation is not the end of the world — in fact, think of it as a new beginning for you and your credit score. Contact us today and find out how we can help get you back on the right track.