The Truth Behind Debt Settlement

In today’s economy, debt is piling up to service even just the basic necessities, and debt settlement has become a huge topic.  Read more to learn about debt settlement.

Debt settlement is a program that is set up to meet anindividual’s financial needs that helps aid them in reducing their debt andpaying it off in a timely matter. This process is done through a debtsettlement company that negotiates with the individuals creditors on theirbehalf to assist them in lowering their balance. Once the settlement isfinalized they then assist them in setting up a monthly payment plan that fitstheir budget.

Like many other financial programs there are pros and consto using a debt settlement program. Pros to this program are that it helpsprevent bankruptcy which in return does not affect ones credit score. It stopsindividuals from receiving harassing and threatening calls from collectionsagencies who plan to take legal action. It also negotiates on an individual’sbehalf to help them reduce their overall debt amount which in return lowersinterest and fees from outstanding balances. These are great benefits to anindividual because the company works for their behalf to meet their needs in away that helps both the individual and creditor.

As stated above there is also some cons to using a debtsettlement program to help you receive financial assistance in reducing yourdebt. Cons to using this program are that when a portion of the balance iswaived it is shown as an income and requires one to file it on taxes. It alsorequires you to make every payment or it has the potential to void thesettlement offer. Another disadvantage is that due to their being no legalstanding with this program the creditors can still initiate legal action againstan individual at any time. Hopefully a creditor would not do this and wouldstick to their settlement but it is a risk that an individual needs to be awareof when making this type of commitment.

Overall, debt settlement is a program used for individualswho are in debt and are trying to reduce the amount they pay. It is beneficialbecause it avoids an individual from needing to use other alternatives likebankruptcy. It also provides and teaches individuals methods like budgetingskills, and how to make their monthly payments in a cost effective andefficient way. The most important factor to consider is to ensure you researchthe settlement company before you go with them to ensure you understand the processof debt settlement to reduce your risks and increase the advantages of becomingdebt free. 

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