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How Debt Relief Works?

Financial freedom is just a click away

Do you want to know how debt relief works?

Debt relief is a very simple process if done the right way and through experts.

So, how exactly to does relief work?

Step 1: Talk with a debt relief expert about your financial situation to see if it makes sense to enroll in a debt relief program.

Step 2: If it makes sense to enroll into a debt relief program then go ahead and enroll. Once you are enrolled into your debt relief program then you want to start saving a set amount aside each month to settle the amount you owed for less. The more you save each month then the more debt relief negotiators can leverage to pay off your debts for good.

Step 3: You keep saving using this process and once all of your debts are fully resolved and settled!

It is important to know that if you can’t pay your debts due to not enough income and you are struggling to make ends meet. Then debt relief may be your best option.

We appreciate you and if need help overcoming your debt, contact us.

Debt Relief Services & Strategies from the Experts

Debt relief and debt settlement are negotiated agreements by which a creditor accepts less than the total amount owed to legally satisfy a debt. Settlement programs typically last 24-48 months and are highly dependent on factors such as delinquency, creditor policies, the number of accounts, and the total dollar amount of the debt.

Debt settlement services have existed in some form since the advent of debt itself. The modern industry has seen significant growth in the 21st century, largely due to the easing of lending requirements by financial institutions. In addition, today’s borrowers are taking on significantly more debt than their parents had at a similar stage in life and are subsequently paying off that debt at a slower rate. [ECONOMIC INQUIRY, 2013]

These large debt loads and slower payoffs, coupled with today’s high-interest rates, mean that without intervention many borrowers could be paying off these loans for decades. While there are a multitude of interwoven causes for these trends, industry experts point to increased access to larger amounts of credit coupled with a reduction in the social stigma of being in debt.

Debt Relief Assessment

Potential clients speak with a certified debt specialist regarding their financial situation. The debt specialist evaluates the caller’s financial situation and suggests the optimal debt relief strategy. Clients choosing to enroll in our debt relief program are then guided through the enrollment process.

Use Our Debt Settlement Calculator | Alleviate Financial

Account Management

Signed enrollment documents are processed and the new client receives a call from our team of dedicated account managers to welcome them to the program. Account managers are available 24/7 and remain in active communication with clients throughout the program.

Talk with Us About the Debt Settlement Calculator | Alleviate Financial

Negotiations & Settlement

Our talented negotiations team begins working on client accounts immediately. When settlement offers are received they are first reviewed for accuracy and then presented to clients for approval. This process repeats until all client accounts have been settled.

Graduation

Upon completion of our debt settlement program it is now time to celebrate!

Get Our Debt Relief Service and Reach Your Financial Goals

Unsecured debt is one of the hardest types of debt to get out from underneath once it gets out of hand. Having unsecured debt such as high-interest credit card debt may have a major negative impact on your credit score, making it hard to get home loans and car loans at reasonable rates, further entrenching you in a bad financial situation.

Once your credit card balances start to reach their limits, it becomes more and more likely you’ll start being charged additional upfront fees, which in turn trigger other fees being added on, like over-the-limit fees or late fees. Even worse, once you stop making payments, your creditors can spike your rates to ridiculous levels, making getting out of debt even harder.

The mental weight of dealing with debt can be extremely stressful. The balances just keep growing faster and faster, making it feel like escape is impossible.

Fortunately, there are debt solutions and debt relief programs for relieving the everyday stress of growing unsecured debt.

Debt settlement companies are one possibility for getting out from under ever-growing unsecured debt. Debt relief services provided by companies like Alleviate Financial can help you significantly reduce balances and allows you to pay your credit cards off in a far shorter amount of time than possible.

What is a Debt Relief?

Debt relief is sometimes called debt adjustment or debt settlement, and companies that offer these are professional debt negotiators that help their clients get the best possible results in the shortest amount of time. They deal with debt collectors, negotiate with creditors, and help you settle your debts.

Companies that offer debt relief services work to help their clients negotiate new payment terms with their creditors.

For example:

Cutting unsecured loan and credit card balances as part of a settlement agreement
Have 1 lower monthly payment program for more manageable levels
Reducing credit cards and unsecured debt principal balances
Getting interest charges removed or significantly reduce the amount you owe

Our Debt Relief Service

Debt relief services can provide faster relief for people dealing with the anxiety and daily stress caused by increasing unsecured debt like credit cards or high-interest personal loans. These types of debt can quickly spiral out of control, making it feel totally impossible to pay off debt.

If you and your family are living with a creditor or debt collector constantly calling your home and sending nasty letters, you may want to reach out to a certified debt relief company. A debt relief company like Alleviate Financial can negotiate a plan to pay your ever-increasing debt off quickly, allowing you to move forward with your life and into a brighter financial future.

Often, debt relief agreements involve combining all of your unsecured debt payments into one lump sum payment that’s far less than your current combined payments. Instead of paying creditors directly, the debt relief service company will open dedicated saving accounts for clients, and payments go into that account. The debt relief services company will be sure the agreement is followed closely, guiding you on your way to a more secure financial position.

Beyond the lower total debt payment each month, debt relief services can provide you with a way out of your crushing debt loads, which is a solid alternative to filing for bankruptcy. This makes it far easier for you to escape your circumstances.

It’s sometimes possible to negotiate with your creditors directly. But you’ll have a much better chance of success if you instead leverage the relationships a reputable debt relief company such as Alleviate Financial has with creditors. If you’re unsure what the best debt management strategy might be, we are here to help you figure out what options you have.

Every day, we are helping people just like you get on a new path to financial freedom. The credit card companies don’t want you to stop paying them interest, so they aren’t easy to convince of reorganizing your debt to more manageable terms. We’re committed to advocating for you to provide you the debt relief you need to get on with your life.

What Debt Relief Results Can Alleviate Financial Give You?

Our debt relief services help you:

Pay your debt faster, often in a few short years or sooner.
Negotiate balance reductions. Our experts contact your creditors to get reductions on your outstanding unsecured debts.
Manage your debt easily, as our program is a 1 lower monthly payment program that enables you to budget for more financial stability reliably.
Assistance with establishing strong financial habits and money management that will get you out of debt faster and help you stay out of debt long-term. We continually publish financial education resources to our blog and YouTube channel, as well as send out newsletters so you can learn smart ways to escape and avoid a bad financial situation.

Risk-Free Debt Relief Assessment

We Can Help You Get Debt Relief Today!

Over 10 Years of Helping Customers Achieve Financial Stability

Say Goodbye to Your Debt with
Industry-Leading Debt Relief and Financial Planning

When credit card accounts start to reach their limits, your chances of the credit card companies charging you over-the-limit fees, higher interest rates, and late fees increases. Once you default on your credit card accounts, the credit card companies exercise their full power to heap on fees and interest, making it even more likely you’ll be trapped in a downward financial spiral.

Thankfully, the debt relief pros at Alleviate Financial Solutions are equipped with a wealth of knowledge and experience. Our team is wholeheartedly committed to giving our clients industry-leading service that produces unmatched results. We have helped thousands of customers achieve financial stability by settling their debts for less than what they owe, and we look forward to helping you as well!

Risk-Free Debt Relief Assessment

DEBT RELIEF FAQs

Is debt relief a loan?

Debt relief is not necessarily a loan. Debt relief is an umbrella term that includes several methods for reducing debt. It may include reducing the principal, extending a loan, lowering the interest rate, and other options. Some debt relief methods do include using loans to pay off your debt at a better interest rate.

Are debt relief services worth it?

Debt relief services can make a major financial difference for many people. These services are designed to take place over several years to get you into a better financial situation. This includes debt consolidation, debt settlement, and other tactics.

If your current debt situation is untenable, then debt relief can get you into a better situation overall. It can reduce the amount you owe, reduce your interest, and more

Who qualifies for debt relief?

To get the most out of debt relief programs, you should have a certain amount of debt already. Our debt relief program is available to those with over $10,000 in unsecured debt and at least $500 with each creditor.

What are debt relief programs?

Debt relief programs are designed to help people manage their debt. They help you get out of debt faster.

Most of them involve negotiation to get your creditors to accept a smaller overall payment. Debt relief programs will communicate to your creditors that you cannot afford the full payment. If they think this is the most money they can expect from you, they’re more likely to accept a smaller payment. When you have professionals on your side, it’s easier to argue your creditors down to accept a smaller payment.

Is it worth using a debt relief program?

If you have a certain amount of debt, a debt relief program can help you reduce the amount you owe and make payments more manageable. Debt relief can save you from bankruptcy and other major financial issues.

What are the benefits of debt relief?

Debt relief can make your finances much simpler and help you avoid serious issues like bankruptcy.

How much does debt relief cost?

The amount that debt relief costs depends on the debt relief company you work with. Some companies charge an upfront fee, while others charge a percentage of your debt. Some charge both!

It’s a good idea to look for a company that charges a fair fee and doesn’t require an upfront payment, as that can make a significant difference in terms of overall cost.

Can I pay the original creditor instead of the collection agency?

On some occasions, it is possible to pay your debt to the original creditor. If you contact their customer service department, you can negotiate a payment plan that may work for your needs. Once they reclaim the debt from collections, you can pay them directly.

If you try to do this long after your debt is sent to collections, it’s possible they will reject your proposal. To avoid this outcome, try to get in touch with them in the first six months of when your bill goes to collections.