The Effective Free Classifieds

PAY OFF DEBT FOR 50% OR LESS

For some people, a reduction in their overall debt total is all they need to get back on stable financial ground again. For others who are already too far in the hole financially, no amount of debt relief would help, and bankruptcy might be the only realistic option.

Keep in mind that settlements are only available on unsecured debts like credit cards, medical bills and department store cards. Things like mortgages, student loans, alimony and child support fall into the category of secured debts and there is usually not much that can be done with these types of debts.

There are many factors that dictate what creditors will or will not accept to settle outstanding debts. Depending on your situation, one or more of your debts might be settled for as little as $0.30-0.35 on the dollar. Or it's possible that some of your creditors might be difficult to deal with and they won't accept any less than $0.55-0.60 on the dollar. Every situation is different.

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