About 'debt elimination programs'|Benefiting from a Debt Settlement Program

About 'debt elimination programs'|Benefiting from a Debt Settlement Program

Ｗｉｔｈ               ｔｈｅ               ａｖｅｒａｇｅ               Ｕ.Ｓ. ｈｏｕｓｅｈｏｌｄ               ｏｗｉｎｇ               ｍｏｒｅ               ｔｈａｎ               $10,000               ｉｎ               ｃｒｅｄｉｔ               ｃａｒｄ               ｄｅｂｔ,               ｉｔ'ｓ               ｎｏ               ｓｕｒｐｒｉｓｅ               ｔｈａｔ               ｍｉｌｌｉｏｎｓ               ｏｆ               ｃｏｎｓｕｍｅｒｓ               ａｒｅ               ｔｕｒｎｉｎｇ               ｔｏ               ｄｅｂｔ               ｍａｎａｇｅｍｅｎｔ               ｃｏｍｐａｎｉｅｓ               ｏｒ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               ｆｉｒｍｓ               ｔｏ               ｂｅｃｏｍｅ               ｄｅｂｔ               ｆｒｅｅ. Ｈｏｗｅｖｅｒ,               ｔｈｅｒｅ               ａｒｅ               ｅｎｏｒｍｏｕｓ               ｄｉｆｆｅｒｅｎｃｅｓ               ｂｅｔｗｅｅｎ               ｔｈｅｓｅ               ｔｗｏ               ｔｙｐｅｓ               ｏｆ               ｏｒｇａｎｉｚａｔｉｏｎｓ. Ａ               ｇｏｏｄ               ｄｅｂｔ               ｍａｎａｇｅｍｅｎｔ               ｃｏｍｐａｎｙ               ｏｆｆｅｒｓ               ｆｒｅｅ               ｏｒ               ｌｏｗ               ｃｏｓｔ               ｓｅｒｖｉｃｅｓ,               ｃａｎ               ｈｅｌｐ               ｙｏｕ               ｐｒｅｓｅｒｖｅ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒａｔｉｎｇ,               ａｎｄ               ｗｉｌｌ               ｔｅａｃｈ               ｙｏｕ               ｔｏ               ｏｒｇａｎｉｚｅ               ｙｏｕｒ               ｆｉｎａｎｃｅｓ               ａｎｄ               ｂｕｄｇｅｔ               ｐｒｏｐｅｒｌｙ. Ｉｔ               ｗｉｌｌ               ａｌｓｏ               ｓｕｃｃｅｓｓｆｕｌｌｙ               ｎｅｇｏｔｉａｔｅ               ｗｉｔｈ               ｙｏｕｒ               ｃｒｅｄｉｔｏｒｓ               ｔｏ               ｇｉｖｅ               ｙｏｕ               ｆｉｎａｎｃｉａｌ               ｒｅｌｉｅｆ. Ｂｙ               ｃｏｎｔｒａｓｔ,               ｅｖｅｎ               ｗｉｔｈ               ｔｈｅ               "ｂｅｓｔ"               ｄｅｂｔ               ｍａｎａｇｅｍｅｎｔ               ｃｏｍｐａｎｉｅｓ,               ｃｏｎｓｕｍｅｒｓ               ｐａｙ               ｈｉｇｈ               ｆｅｅｓ,               ｗｉｎｄ               ｕｐ               ｗｉｔｈ               ｓｅｒｉｏｕｓ               ｂｌｅｍｉｓｈｅｓ               ｏｎ               ｔｈｅｉｒ               ｃｒｅｄｉｔ               ｆｉｌｅｓ,               ａｎｄ               ｒｅｃｅｉｖｅ               ｌｉｔｔｌｅ               ｔｏ               ｎｏ               ｆｉｎａｎｃｉａｌ               ｅｄｕｃａｔｉｏｎ. Ａｄｄｉｔｉｏｎａｌｌｙ,               ｗｈｉｌｅ               ｍａｎｙ               ｄｅｂｔ               ｍａｎａｇｅｍｅｎｔ               ｆｉｒｍｓ               "ｇｕａｒａｎｔｅｅ"               ｔｈｅｉｒ               ｗｏｒｋ,               ｉｎ               ｒｅａｌｉｔｙ               ｔｈｅｙ               ｈａｖｅ               ｎｏ               ｗａｙ               ｔｏ               ｅｎｓｕｒｅ               ｔｈａｔ               ｔｈｅｉｒ               ｑｕｅｓｔｉｏｎａｂｌｅ               ｔｅｃｈｎｉｑｕｅｓ               ａｎｄ               ｕｎｏｒｔｈｏｄｏｘ               ｎｅｇｏｔｉａｔｉｎｇ               ｍｅｔｈｏｄｓ               ｗｉｌｌ               ｂｅ               ｅｆｆｅｃｔｉｖｅ. Ｒｅａｄ               ｏｎ               ｔｏ               ｄｉｓｃｏｖｅｒ               ｔｈｅ               ｄｏｗｎｓｉｄｅ               ｔｏ               ｕｓｉｎｇ               ｔｈｅ               ｓｅｒｖｉｃｅｓ               ｏｆ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               ｃｏｍｐａｎｉｅｓ               -               ａｎｄ               ｗｈｙ               ｕｓｉｎｇ               ａ               ｄｅｂｔ               ｍａｎａｇｅｍｅｎｔ               ｃｏｍｐａｎｙ               ｉｓ               ｆａｒ               ｍｏｒｅ               ａｄｖａｎｔａｇｅｏｕｓ.                Ｔｈｅ               Ｈｉｔ               ｔｏ               Ｙｏｕｒ               Ｃｒｅｄｉｔ               Ｓｃｏｒｅｓ                Ｔｈｅ               ｐｒｉｍａｒｙ               ｐｒｏｂｌｅｍ               ｗｉｔｈ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               ｃｏｍｐａｎｉｅｓ               ｉｓ               ｔｈａｔ               ｔｈｅｙ               ｔｙｐｉｃａｌｌｙ               ａｄｖｉｓｅ               ｙｏｕ               ｔｏ               ｓｔｏｐ               ｐａｙｉｎｇ               ｙｏｕｒ               ｂｉｌｌｓ               ｆｏｒ               ａ               ｆｅｗ               ｍｏｎｔｈｓ               -               ｓｏｍｅｔｉｍｅｓ               ｆｏｒ               ｓｉｘ               ｍｏｎｔｈｓ               ｏｒ               ｍｏｒｅ. Ａｔ               ｔｈｅ               ｅｎｄ               ｏｆ               ｔｈａｔ               ｐｅｒｉｏｄ,               ｔｈｅ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               ｃｏｍｐａｎｙ               ｇｏｅｓ               ｔｏ               ｙｏｕｒ               ｃｒｅｄｉｔｏｒｓ               ａｎｄ               ｔｒｉｅｓ               ｔｏ               ｎｅｇｏｔｉａｔｅ               ｓｅｔｔｌｅｍｅｎｔｓ               ｏｎ               ｙｏｕｒ               ｂｅｈａｌｆ. Ｔｈｅ               ｌｏｇｉｃ               ｕｓｅｄ               ｂｙ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               ｆｉｒｍｓ               ｉｓ               ｓｉｍｐｌｅ:               Ｔｈｅｙ               ｆｉｇｕｒｅ               ｔｈａｔ               ａｆｔｅｒ               ａ               ｆｅｗ               ｍｏｎｔｈｓ               ｏｆ               ｎｏｔ               ｇｅｔｔｉｎｇ               ｐａｉｄ,               ｙｏｕｒ               ｃｒｅｄｉｔｏｒｓ               ｗｉｌｌ               ｂｅ               ｓｏ               ｅａｇｅｒ               ｔｏ               ｒｅｃｅｉｖｅ               ｓｏｍｅ               ｍｏｎｅｙ               (ｉｎｓｔｅａｄ               ｏｆ               ｎｏ               ｍｏｎｅｙ)               ｔｈａｔ               ｔｈｅｓｅ               ｃｒｅｄｉｔｏｒｓ               ｗｉｌｌ               ｇｌａｄｌｙ               ｓｅｔｔｌｅ               ｙｏｕｒ               ｄｅｂｔｓ               ｆｏｒ               ｐｅｎｎｉｅｓ               ｏｎ               ｔｈｅ               ｄｏｌｌａｒ.                Ｉｆ               ｏｎｌｙ               ｉｔ               ｗｅｒｅ               ｔｈａｔ               ｅａｓｙ.                Ｔｈｅ               ｐｒｏｂｌｅｍ               ｗｉｔｈ               ｔｈｉｓ               ｉｓ               ｓｔｒａｔｅｇｙ               ｉｓ               ｔｗｏ-ｆｏｌｄ. Ｆｉｒｓｔ,               ｙｏｕ               ｗｉｎｄ               ｕｐ               ｗｉｔｈ               ｓｅｒｉｏｕｓ               ｂｌａｃｋ               ｍａｒｋｓ               ｏｎ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔｓ               ａｎｄ               ｙｏｕ               ｄｅｃｉｍａｔｅ               ｙｏｕｒ               ＦＩＣＯ               ｃｒｅｄｉｔ               ｓｃｏｒｅｓ. Ａｆｔｅｒ               ａｌｌ,               ｊｕｓｔ               ｏｎｅ               ｌａｔｅ               ｐａｙｍｅｎｔ               ｃａｎ               ｄｒｏｐ               ｙｏｕｒ               ＦＩＣＯ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｂｙ               50               ｐｏｉｎｔｓ               ｏｒ               ｍｏｒｅ. Ｉｍａｇｉｎｅ               ｔｈｅ               ｄａｍａｇｅ               ｄｏｎｅ               ｂｙ               ｂｅｉｎｇ               ｔｈｒｅｅ               ｔｏ               ｓｉｘ               ｍｏｎｔｈｓ               ｌａｔｅ               ｏｎ               ｍｕｌｔｉｐｌｅ               ａｃｃｏｕｎｔｓ.                Ｐｌｕｓ,               ｗｈｅｎ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               ｉｓ               "ｓｕｃｃｅｓｓｆｕｌ,"               ｙｏｕｒ               ｃｒｅｄｉｔｏｒｓ               ａｇｒｅｅ               ｔｏ               ａｃｃｅｐｔ               ｌｅｓｓ               ｔｈａｎ               ｔｈｅ               ｆｕｌｌ               ａｍｏｕｎｔｓ               ｏｗｅｄ               (ｅｖｅｎ               ｔｈｏｕｇｈ               ｔｈｅｙ               ｗｉｌｌ               ｃｏｎｓｉｄｅｒ               ｔｈｅ               ｂａｌａｎｃｅ               ａｓ               ｐａｉｄ). Ｔｈｅ               ｃｒｅｄｉｔｏｒｓ               ｏｆｔｅｎ               ｔｈｅｎ               ｒｅｐｏｒｔ               ｔｏ               Ｅｑｕｉｆａｘ,               Ｅｘｐｅｒｉａｎ               ａｎｄ               ＴｒａｎｓＵｎｉｏｎ               ｔｈａｔ               ｙｏｕｒ               ａｃｃｏｕｎｔ               ｗａｓ               "Ｓｅｔｔｌｅｄ"               ｏｒ               "Ｐａｉｄ               ｂｙ               Ｓｅｔｔｌｅｍｅｎｔ"               -               ｗｈｉｃｈ               ａｌｓｏ               ｔａｒｎｉｓｈｅｓ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒｅｃｏｒｄｓ.                Ｄｏｅｓ               Ｄｅｂｔ               Ｓｅｔｔｌｅｍｅｎｔ               Ｗｏｒｋ               -               Ｏｒ               Ｂａｃｋｆｉｒｅ?                Ａｄｄｉｔｉｏｎａｌｌｙ,               ｔｈｅｒｅ               ｉｓ               ｎｏ               ａｓｓｕｒａｎｃｅ               ｔｈａｔ               ｔｈｅ               ｍｅｔｈｏｄｓ               ｕｓｅｄ               ｂｙ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               ｆｉｒｍｓ               ｗｉｌｌ               ｗｏｒｋ. Ｉｎｓｔｅａｄ               ｏｆ               ｃａｖｉｎｇ               ｉｎ               ｔｏ               ａ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               ｃｏｍｐａｎｙ'ｓ               ｄｅｍａｎｄｓ               ｔｏ               ｌｅｔ               ｙｏｕ               ｐａｙ,               ｓａｙ,               $30               ｆｏｒ               ｅｖｅｒｙ               $100               ｙｏｕ               ａｃｔｕａｌｌｙ               ｏｗｅｄ,               ｃｒｅｄｉｔｏｒｓ               ｍａｙ               ｊｕｓｔ               ｄｅｃｉｄｅ               ｔｏ               ｓｕｅ               ｙｏｕ,               ｇｅｔ               ａ               ｊｕｄｇｍｅｎｔ               ａｇａｉｎｓｔ               ｙｏｕ,               ｏｒ               ｇａｒｎｉｓｈ               ｙｏｕｒ               ｗａｇｅｓ.                Ｔｈｅ               Ｂｅｔｔｅｒ               Ｍｅｔｈｏｄ               -               Ｅｄｕｃａｔｉｏｎ               ａｎｄ               Ｒｅａｓｏｎａｂｌｅ               Ｎｅｇｏｔｉａｔｉｏｎｓ                Ｒａｔｈｅｒ               ｔｈａｎ               ｕｓｅ               ａ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               ｃｏｍｐａｎｙ,               ａ               ｂｅｔｔｅｒ               ｓｔｒａｔｅｇｙ               ｉｓ               ｔｏ               ｆｉｒｓｔ               ｔｒｙ               ｔｏ               ｎｅｇｏｔｉａｔｅ               ｄｉｒｅｃｔｌｙ               ｗｉｔｈ               ｙｏｕｒ               ｃｒｅｄｉｔｏｒｓ. Ｉｆ               ｙｏｕｒ               ｅｆｆｏｒｔｓ               ｆａｉｌ,               ａｎｄ               ｙｏｕ               ｃａｎ'ｔ               ｋｅｅｐ               ｕｐ               ｗｉｔｈ               ｙｏｕｒ               ｂｉｌｌｓ,               ｔｈｅｎ               ｉｔ'ｓ               ｔｉｍｅ               ｔｏ               ｅｎｌｉｓｔ               ｔｈｅ               ｈｅｌｐ               ｏｆ               ａ               ｃｒｅｄｉｔ               ｃｏｕｎｓｅｌｉｎｇ               ａｇｅｎｃｙ/ｄｅｂｔ               ｍａｎａｇｅｍｅｎｔ               ｆｉｒｍ. Ａ               ｇｏｏｄ               ｎｏｎ-ｐｒｏｆｉｔ,               ＨＵＤ-ｃｅｒｔｉｆｉｅｄ               ｃｒｅｄｉｔ               ｃｏｕｎｓｅｌｉｎｇ               ａｇｅｎｃｙ               ｉｓ               ｔｈｅ               Ｎａｔｉｏｎａｌ               Ｆｏｕｎｄａｔｉｏｎ               ｆｏｒ               Ｄｅｂｔ               Ｍａｎａｇｅｍｅｎｔ               (ｗｗｗ.ＮＦＤＭ.ｏｒｇ).                Ｄｅｂｔ               ｍａｎａｇｅｍｅｎｔ               ｐｒｏｇｒａｍｓ               ｔｙｐｉｃａｌｌｙ               ｔａｋｅ               ｔｈｒｅｅ               ｔｏ               ｆｉｖｅ               ｙｅａｒｓ               ｔｏ               ｃｏｍｐｌｅｔｅ;               ｍｏｓｔ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               ｐｒｏｇｒａｍｓ               ｕｓｕａｌｌｙ               ｔａｋｅ               ｔｗｏ               ｔｏ               ｆｏｕｒ               ｙｅａｒｓ. Ｆｏｒｔｕｎａｔｅｌｙ,               ｅｎｒｏｌｌｉｎｇ               ｉｎ               ａ               ｄｅｂｔ               ｍａｎａｇｅｍｅｎｔ               ｐｒｏｇｒａｍ,               ａｌｓｏ               ｋｎｏｗｎ               ａｓ               ａ               ＤＭＰ,               ｓｈｏｕｌｄｎ'ｔ               ｂａｃｋｆｉｒｅ               ｏｎ               ｙｏｕ               -               ａｓ               ｌｏｎｇ               ａｓ               ｙｏｕ               ｃｏｎｔｉｎｕｅ               ｔｏ               ｐａｙ               ｙｏｕｒ               ｂｉｌｌｓ               ｏｎ               ｔｉｍｅ. Ｗｈｅｎ               ｙｏｕ               ｅｎｒｏｌｌ               ｉｎ               ａ               ｄｅｂｔ               ｍａｎａｇｅｍｅｎｔ               ｐｒｏｇｒａｍ,               ｙｏｕｒ               ｃｒｅｄｉｔ               ｆｉｌｅｓ               ｄｏ               ｉｎｃｌｕｄｅ               ａ               ｎｏｔａｔｉｏｎ               ｔｈａｔ               ｙｏｕ               ａｒｅ               ｐａｒｔｉｃｉｐａｔｉｎｇ               ｉｎ               ａ               ＤＭＰ. Ｈｏｗｅｖｅｒ,               ｔａｋｉｎｇ               ｐａｒｔ               ｉｎ               ａ               ｄｅｂｔ               ｍａｎａｇｅｍｅｎｔ               ｐｒｏｇｒａｍ               ｄｏｅｓ               ｎｏｔ               ａｄｖｅｒｓｅｌｙ               ｉｍｐａｃｔ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｒａｔｉｎｇ,               ｎｏｒ               ｉｓ               ｉｔ               ａ               ｆａｃｔｏｒ               ｉｎ               ｈｏｗ               ｙｏｕｒ               ＦＩＣＯ               ｓｃｏｒｅ               ｉｓ               ｃａｌｃｕｌａｔｅｄ,               ａｃｃｏｒｄｉｎｇ               ｔｏ               ｅｘｅｃｕｔｉｖｅｓ               ｆｒｏｍ               Ｆａｉｒ               Ｉｓａａｃ               Ｃｏｒｐ.,               ｔｈｅ               ｃｒｅａｔｏｒ               ｏｆ               ｔｈｅ               ＦＩＣＯ               ｓｃｏｒｅ. Ｙｏｕｒ               ｃｒｅｄｉｔ               ｒａｔｉｎｇ               ａｌｓｏ               ｄｏｅｓｎ'ｔ               ｓｕｆｆｅｒ               ｂｅｃａｕｓｅ               ｙｏｕ               ａｒｅ               ｐａｙｉｎｇ               ｂａｃｋ               ｅｖｅｒｙｔｈｉｎｇ               ｙｏｕ               ｏｗｅｄ               ｉｎ               ａ               ｔｙｐｉｃａｌ               ｄｅｂｔ               ｍａｎａｇｅｍｅｎｔ               ｐｒｏｇｒａｍ. Ｔｈｅ               ｃｏｓｔ               ｓａｖｉｎｇｓ               ｃｏｍｅ               ｐｒｉｍａｒｉｌｙ               ｆｒｏｍ               ｈａｖｉｎｇ               ｌａｔｅ               ｆｅｅｓ               ｅｌｉｍｉｎａｔｅｄ,               ａｎｄ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ               ｌｏｗｅｒｅｄ               -               ｔｗｏ               ｋｅｙ               ｆａｃｔｏｒｓ               ｉｎ               ｈｅｌｐｉｎｇ               ｙｏｕ               ｂｅｃｏｍｅ               ｄｅｂｔ               ｆｒｅｅ               ｆａｓｔ.                Ｄｏｎ'ｔ               Ｆｏｒｇｅｔ               Ａｂｏｕｔ               Ｄｅｂｔ               Ｓｅｔｔｌｅｍｅｎｔ               Ｆｅｅｓ               .... Ａｎｄ               Ｔｈａｔ               Ｂｉｇ               Ｔａｘ               Ｂｉｌｌ                Ｏｂｖｉｏｕｓｌｙ,               ｃｏｓｔｓ               ｖａｒｙ               ｆｏｒ               ｄｅｂｔ               ｅｌｉｍｉｎａｔｉｏｎ               ｐｒｏｇｒａｍｓ. Ｂｕｔ               $25               ａ               ｍｏｎｔｈ               ｉｓ               ａ               ｃｏｍｍｏｎ               ｍｏｎｔｈｌｙ               ｆｅｅ               ｆｏｒ               ｍａｎｙ               ｄｅｂｔ               ｍａｎａｇｅｍｅｎｔ               ｐｒｏｇｒａｍｓ. Ｍｏｓｔ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               ｃｏｍｐａｎｉｅｓ               ｃｈａｒｇｅ               ｙｏｕ               ｉｎ               ｏｎｅ               ｏｆ               ｔｗｏ               ｗａｙｓ:                ａ               ｆｌａｔ               ｆｅｅ,               ｗｈｉｃｈ               ｏｆｔｅｎ               ｒｕｎｓ               $1,000               ｏｒ               ｍｏｒｅ,               ａｎｄ               ｉｓ               ｂａｓｅｄ               ｏｎ               ｈｏｗ               ｍｕｃｈ               ｍｏｎｅｙ               ｔｈｅ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               "ｓａｖｅｓ"               ｙｏｕ               ｂｙ               ｎｅｇｏｔｉａｔｉｎｇ               ｗｉｔｈ               ｙｏｕｒ               ｃｒｅｄｉｔｏｒｓ               ａ               ｐｅｒｃｅｎｔａｇｅ               ｆｅｅ,               ｗｉｔｈ               ｆｅｅｓ               ｏｆ               15               ｔｏ               20%               ｏｆ               ｙｏｕｒ               ｔｏｔａｌ               ｄｅｂｔ               ｂｅｉｎｇ               ｔｙｐｉｃａｌ                              Ｓｏ               ｆｏｒ               ｔｈｏｓｅ               ｗｉｔｈ               $10,000               ｉｎ               ｄｅｂｔ,               ｆｅｅｓ               ｗｏｕｌｄ               ｒｕｎ               ａｂｏｕｔ               $1,500               ｔｏ               $2000               ｆｏｒ               ａ               3-ｙｅａｒ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               ｐｒｏｇｒａｍ,               ｃｏｍｐａｒｅｄ               ｗｉｔｈ               ａｂｏｕｔ               $900               ｉｎ               ｆｅｅｓ               ｆｏｒ               ａ               ｔｙｐｉｃａｌ               3-ｙｅａｒ               ｄｅｂｔ               ｍａｎａｇｅｍｅｎｔ               ｐｌａｎ                                             Ｗｈｙ               Ｐａｙ               Ｔｈｏｕｓａｎｄｓ               Ｗｈｅｎ               Ｙｏｕ               Ａｒｅ               Ａｌｒｅａｄｙ               Ｔｈｏｕｓａｎｄｓ               ｏｆ               Ｄｏｌｌａｒｓ               ｉｎ               Ｄｅｂｔ?                Ｂｅｓｉｄｅｓ               ｔｈｅ               ｆｅｅｓ               ｃｉｔｅｄ               ａｂｏｖｅ,               ｉｔ'ｓ               ｎｏｔ               ｕｎｃｏｍｍｏｎ               ｆｏｒ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               ｆｉｒｍｓ               ｔｏ               ｉｍｐｏｓｅ               ａｄｄｅｄ               ｍｏｎｔｈｌｙ               ｃｈａｒｇｅｓ               ｏｎ               ｔｈｅｉｒ               ｃｌｉｅｎｔｓ. Ｔｈｅｓｅ               ｆｅｅｓ               ｃａｎ               ｂｅ               ａｓ               ｌｏｗ               ａｓ               $20               ａ               ｍｏｎｔｈ               ｏｒ               ａｓ               ｈｉｇｈ               $90               ｏｒ               $100               ａ               ｍｏｎｔｈ,               ｄｅｐｅｎｄｉｎｇ               ｏｎ               ｔｈｅ               ｃｏｍｐａｎｙ               ｉｎ               ｑｕｅｓｔｉｏｎ. Ｏｖｅｒ               ｔｉｍｅ,               ｔｈｅｒｅｆｏｒｅ,               ｃｏｎｓｕｍｅｒｓ               ｓｈｅｌｌ               ｏｕｔ               ｓｅｖｅｒａｌ               ｔｈｏｕｓａｎｄ               ｄｏｌｌａｒｓ               -               ｏｎ               ｔｏｐ               ｏｆ               ｔｈｅ               ｉｎｉｔｉａｌ               ｆｅｅｓ               ｃｈａｒｇｅｄ               -               ｗｈｅｎ               ｔｈｅｙ               ｏｐｔ               ｔｏ               ｇｏ               ｗｉｔｈ               ａ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               ｆｉｒｍ.                Ｔｈｅ               ＩＲＳ'ｓ               Ｖｉｅｗｐｏｉｎｔ               ｏｎ               Ｄｅｂｔ               Ｓｅｔｔｌｅｍｅｎｔ                Ｉｆ               ｙｏｕ               ｅｎｔｅｒ               ｉｎｔｏ               ａ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               ｐｌａｎ,               ｏｎｅ               ｆｉｎａｌ               ｈａｚａｒｄ               ｔｏ               ｂｅ               ａｗａｒｅ               ｏｆ               ｉｓ               ｔｈａｔ               ｙｏｕ               ｗｉｌｌ               ｈａｖｅ               ｔｏ               ｐａｙ               ｔａｘｅｓ               ｏｎ               ｔｈｅ               ａｍｏｕｎｔ               ｏｆ               ｍｏｎｅｙ               ｙｏｕ               ｓａｖｅｄ. Ｆｏｒ               ｉｎｓｔａｎｃｅ,               ｉｆ               ｙｏｕｒ               ｄｅｂｔ               ｗａｓ               $10,000               ａｎｄ               ｔｈｅ               ｓｅｔｔｌｅｍｅｎｔ               ｐｌａｎ               ｓａｙｓ               ｙｏｕ               ｏｎｌｙ               ｈａｖｅ               ｔｏ               ｐａｙ               $3,000,               ｙｏｕ               ｗｉｌｌ               ｂｅ               ｒｅｑｕｉｒｅｄ               ｔｏ               ｐａｙ               ｔａｘｅｓ               ｏｎ               ｔｈｅ               $7,000               ｙｏｕ               ｓａｖｅｄ. Ｉｆ               ｙｏｕ               ａｒｅ               ｉｎ               ｔｈｅ               25%               ｔａｘ               ｂｒａｃｋｅｔ,               ｙｏｕ'ｌｌ               ｈａｖｅ               ｔｏ               ｆｏｒｋ               ｏｖｅｒ               $1,750               ｔｏ               ｔｈｅ               ＩＲＳ,               ｂｅｃａｕｓｅ               ｔｈｅ               ｇｏｖｅｒｎｍｅｎｔ               ｄｅｅｍｓ               ｙｏｕｒ               $7,000               ｉｎ               ｓａｖｉｎｇｓ               ａｓ               ｉｎｃｏｍｅ.                Ｃｌｅａｒｌｙ,               ｔｈｅｒｅ               ａｒｅ               ｍａｎｙ               ｐｉｔｆａｌｌｓ               ａｓｓｏｃｉａｔｅｄ               ｗｉｔｈ               ｄｅｂｔ               ｓｅｔｔｌｅｍｅｎｔ               ｐｒｏｇｒａｍｓ. Ａｓ               ａ               ｒｅｓｕｌｔ,               ｍｏｓｔ               ｃｏｎｓｕｍｅｒｓ               ｂａｔｔｌｉｎｇ               ｃｒｅｄｉｔ               ｃａｒｄ               ｄｅｂｔ               ｗｏｕｌｄ               ｂｅ               ｆａｒ               ｂｅｔｔｅｒ               ｏｆｆ               ｓｅｅｋｉｎｇ               ｏｕｔ               ｔｈｅ               ｈｅｌｐ               ａｎｄ               ｓｅｒｖｉｃｅｓ               ｏｆ               ａ               ｒｅｐｕｔａｂｌｅ               ｄｅｂｔ               ｍａｎａｇｅｍｅｎｔ               ｆｉｒｍ.

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Debt Elimination Programs - Blog Homepage Results

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