Do you find yourself struggling with unsecured debt?

There are organizations that say they can help you get back on track with credit card bills. However their process takes longer and has more of an adverse effect on your credit than Debt Settlement.

Consumer credit counseling services is one of them.

How Consumer Credit Counseling Services Work

They will consolidate your debt into one monthly payment and lower interest rates. Your payments can be around $100-$200.00 more per month than you are currently paying - because more is going to the principal. This is a great program because, instead of XX years to pay off, your balance will be paid off in 5-7 years. All this sounds good until you get into how it will affect you!

The Truth about Consumer Credit Counseling Services

They typically call themselves a "non-profit" organization, which is not true. They make an agreement with your creditors to where they get 10%-20% back each month of your monthly payment. In addition to money they get from your creditors, they work for donations from consumers, usually $5.00-$7.00 per account, but no more than $60.00 to manage your account monthly. You make your payments to CCCS and trust that they will in turn make your payment on time for you.

With Debt Settlement, you will have one low monthly payment, usually less than you are currently paying your creditors. We also work for you not your creditors. We get you to pay 50% - 60% less than you currently owe your creditors and this is done in a one-time lump sum settlement. We give you the better end of the deal, not your creditors.

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CCCS looks very similar to a Chapter 13 Bankruptcy. The only difference is one trustee is appointed by the court, the other is appointed by you.

With Debt Settlement, your balances will be paid off in 24-36 months which is the typical length of our program. Debt Settlement looks nothing like CCCS or bankruptcy on your credit. Your credit will show that you may have had some struggle keeping up with your debts, but will not show any third party assistance. Future creditors will never know that we were helping you become debt free.

Very few people complete the CCCS program and if you miss one payment they usually kick you out. Their completion rate is only 21%.

With Debt Settlement, the completion rate is 88%! We attribute our extremely high completion rate to our dedicated team of professionals assisting you in becoming debt free. You will have your own team of individuals that will keep in contact with you monthly and will know everything there is to know about you, your hardship, your savings ability and most importantly your creditors!

Matrix Debt Relief is here to lend you a helping hand. Having the knowledge to ask the right questions and most of all, being correctly informed about your options is very powerful. Learning that debt settlement is the best way to go is your first step to being debt free. After you learn what you need to know, you can fill out our easy to use form and one of our Debt Consultants can personalize a debt settlement plan for you.