http://www.debtgroupamerica.com Debt Group America provides American Debt Consolidation Services and Debt Relief Information. Our Official Web Site is intended to emphasize and motivate people who owe outstanding credit card debt by offering debt relief information and debt consolidation services. en-gb http://www.debtgroupamerica.com/american_debt_consolidation_company.php Our American based debt consolidation program and company was designed to help consumers that are in need of financial relief. All of the benefits we arrange on your behalf last as long as your enrollment. We are here to help you decide whether our program is right for you and, if so, support you while you accomplish the goal of eliminating your debts. If you are in debt and can only make minimum monthly payments, the last thing you need is another consolidation loan, if your using consolidation loans such as home equity loans and lines of credit to payoff credit cards then your basically converting unsecured debt into secured debt, thus jeopardizing the comfort of yourself, family and home. What you need is a sensible debt consolidation plan to help, you need debt consolidation with Debt Group America's - American based debt consolidation program. Debt Group America pairs you with a debt consolidation customer care representative who will work with you and your creditors to lower your interest rates, reduce late fees, and bring your accounts up to date. You will begin making one lower monthly payment and pay off your debts years sooner than on your own. People in debt consolidation programs typically pay off their debts anywhere from 4 months - 3 years! Debt Group America Confronts creditors on a daily basis because most people in debt are in denial, they avoid creditors. They don't open their bills; they even let debt dictate their living situation. "Some people owe so much, they constantly move so creditors can't find them,". If you're screening your calls for fear of creditors calling or you're too ashamed to tell anyone, then stop running and start dealing. Start Fresh, call Debt Group America so we can help you regain what you once had, peace of mind and financial stability with a sensible, affordable debt repayment plan. http://www.debtgroupamerica.com/calculator_menu.php If you do not pay a large enough portion of your debt each month then interest accrues on that debt which means that you are simply paying the credit card company your hard earned cash each month while your debt to them potentially increases. Fact is, this is what they want. The longer that you are in debt the more money they make on the money that they loaned you. In fact it is not uncommon for individuals to end up spending six or more times the money that they loaned you to get out from underneath the debt they are in. Use the calculators proveded by Debt Group America to evaluate your current financial and debt situation. http://www.debtgroupamerica.com/chapter_13_bankruptcy.php Debt Group America helps individuals and families prevent, and avoid bankruptcy in the United States by offering debt consolidation and debt management programs, if your living with credit card debt call our debt consolidation care and support line 1-877-712-7610. Bankruptcy is a legal proceeding in which a debtor declares his or her inability to pay consumer or business debts as they become due; debtors may seek a discharge from continuing personal liability for unsecured debts or they may attempt to reorganize financially by seeking an extended period of time in which to pay all or a proportion of their indebtedness. Chapter 13 Bankruptcy is used in special situations, primarily to allow the filer to keep his/her home. A court-appointed trustee oversees a strict repayment plan to pay off your debts during a period of three to five years. Bankruptcy is a court action that stops lawsuits and any other attempts by creditors or collection agencies to collect from you. However, it comes with a high cost—it generally stays on your credit report for a full 10 years, causing extreme difficulty in using credit to obtain cars, home or other loans and can even restrict you from certain types of employment. Bankruptcy should never be thought of as a “quick” or “free” way to get out of debt, as it can completely destroy your credit worthiness for a very long time. http://www.debtgroupamerica.com/chapter_7_bankruptcy.php Chapter 7 Bankruptcy discharges virtually all of your consumer debts but does not eliminate secured debt, so you could still lose your home if you fall behind in your mortgage payments. You also will be required to pay such debts as student loans, alimony, child support, income taxes, and legal fines. http://www.debtgroupamerica.com/client_consolidation_success.php Have the ability to connect with the most reputable Debt Consolidation experts in the industry. Debt Group America can assist you with your non-secured debt problems (e.g. non-secured debt: credit cards, medical bills, department store cards, legal bills, cell phones bills, etc). http://www.debtgroupamerica.com/credit_card_debt_relief!.php While there's never a good time to have a lot of credit card debt, this is a particularly bad time to carry a big balance. The cost of debt is rising, and options for getting rid of it are shrinking. In the past, minimum payments ranged from 2% to 2.5% of the balance, which can lead to a life time of debt. For example, suppose you owe $10,000 on a card with an 18% interest rate and can only afford to pay 2.5% of the balance every month. It will take you nearly 32 years to pay off the debt, and you'll pay more than $14,600 in interest alone. Spending discipline isn't the forte of many young adults, though -- particularly during the holiday shopping season. Consumers ages 20 to 29 carry an average $5,781 in revolving debt, which includes credit card loans and various personal loans -- a 24% rise from five years ago, adjusted for inflation, according to an analysis by Experian of the credit records of 3 million. Especially when you're young, the short-term freedom that credit cards provide can be deceptive: Spend now, pay later. But over the long term, piling up too much debt, or failing to pay it off on time, can make it harder for you to buy a car or a house later. Most consumers attempt to satisfy legitimate debts such as credit card debt with the fewest dollars out of pocket, paid over the longest term, unfortunately most creditors are not willing to work directly with the debtor. Once you enroll into Debt Group America's debt consolidation program you are immediately engaged in the consolidation process, our financial consultants base every discussion with the creditor on the "if . . . then . . ." relationship—"If we do this, then you will do that. In addition to our debt consolidation services Debt Group America challenges suspected overcharges. You may be amazed to learn that most creditors don't always demand to receive the full amount they charge and are often willing to allow consolidation. As your financial representative we demand the right to see your creditors schedule of fees. Debt Group America efficiently minimizes the lasting impact of credit card debt by offering credit card debt relief through debt consolidation, our debt consolidation program helps thousands Nationwide. If your prepared to pay off more debt in a shorter period of time, lower your monthly expenses and make one consolidated payment then search no more. Debt Group America can help relieve all your existing credit card and unsecured debt. Debt Group America has relationships with thousands of creditors nationwide, so creditors will be willing to work with us due to previous success in helping people resolve their credit card issues. Debt Group America's Credit Consolidation and Debt Consolidation services are a safe, reasonably fast and a easy way for you to find credit card debt relief. If your treading water, but getting further away from the shore then Debt Group America can provide an effective debt repayment plan through debt consolidation, for more information regarding our credit card debt relief program call toll free: 1-877-712-7610. http://www.debtgroupamerica.com/customer_support.php Debt Group America offers assistance from our debt consolidation company. About 75% of all credit card issuers are willing to make interest concessions, such as waiving a portion of the accumulated interest or reducing the rate on the remaining balance. Explain your specific financial situation to one of our accredited debt consolidation counselors so we can better service your financial needs. Finding the best solution for your credit card debt can be difficult , you need to know what choices are available. Your financial freedom and emotional wellbeing depend on using the best available program for your debt situation. One of our dedicated debt counselors will help you better understand your options so you can make a clear, defined, decision. Give us a call today so we can further discuss your options. Our Debt Consolidation Program is Currently Available in the Following States: Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | Florida | Georgia | Hawaii | Idaho | Illinois Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia Washington | West Virginia | Wisconsin | Wyoming http://www.debtgroupamerica.com/debt_consolidation.php Debt Group America's debt consolidation counselors provide positive debt resolutions by restructuring and consolidating their current debt and payments, whether past due or present. Resolution should start from making simple, conscious choices to re-create the financial pictures and reduce the stress and strain on the finances. To be fully aware of the current reality is the first step towards a successful self or assisted financial plan. Debt Group America provides a debt consolidation service that does not require clients to give up all their credit cards, and may include only those credit cards that they wish to consolidate. Debt Group America's debt consolidation counselors makes sure every client fully understands the debt consolidation service we provide, your risk, and your hopes of becoming debt free. Over the course of our debt consolidation and management program a designated counselor will be assigned directly to your account to provide answers and personal assistance. Our accredited debt consolidation representatives are highly experienced and have a niche for helping clients get out of debt quickly while saving money in the process. Our debt consolidation service is among the best in the business. Debt Group America's debt consolidation and management program saves clients thousands of dollars in credit card debt and unsecured debt for our clients every month. Debt Group America's debt consolidation plan helps lift clients out of debt years sooner than those who try on their own, our company achieves financial freedom for our clients through interest rate reductions, elimination of late fees and penalties, and a lower monthly payment. Debt Consolidation companies currently help over 1 million people consolidate their unsecured loans, bills, and credit card debts into one easy payment, while saving thousands of dollars in unnecessary interest and credit fees. Our debt consolidation services can help you avoid bankruptcy, pay off your debts faster, and minimize creditor harassment. In most cases, debt relief companies only help you negotiate the interest rates that you are being charged; at Debt Group America our company helps you negotiate the actual balances you owe as well as negotiate and reduce interest rates. Our American based debt consolidation company offers debt relief services that are achieved by credit card consolidation and interest rate reduction which reduces outstanding debt and lowers monthly payments so that you can Live Debt Free, for more Information regarding our debt consolidation service call toll free: 1-877-712-7610. http://www.debtgroupamerica.com/debt_consolidation_company.php Our debt consolidation company provides an ideal debt consolidation plan for anyone that feels overwhelmed or simply uncomfortable due to personal debt. Whether your bills are past due or current, we have solutions that are customized to meet your needs. We can help you eliminate all of your unsecured debt, including credit card debt, student loan debt, unsecured personal loans, medical bills, tax bills, and even old utility bills. Debt Group America's debt consolidation company has relationships with thousands of creditors nationwide, so the creditors will be willing to work with them due to the success in helping people resolve their various financial issues. Credit Consolidation and Debt Consolidation services with Debt Group America are a safe, reasonably fast and easy way for you to get out of debt. Debt Group America can help get debt collectors off your back so you can regain financial freedom without having to be pressured by relentless creditors. We are committed to finding financial solutions for consumers in need of a fast, effective, debt consolidation plan. All initial debt consolidation consultations are private and completely cost free and there is no obligation to participate or enroll in one of our debt consolidation programs. Our debt consolidation company restructures your existing debt with your creditors. Debt consolidation is not a loan, but a way to lower your monthly payments and lower (sometimes even eliminating) the interest you are currently paying. With a debt consolidation plan you will set a new financial pace, moving in a forward motion to get out of debt. A lower monthly payment will make it more convenient for you to pay off your debt, thus relieving your daily financial and emotional stress. Most unsecured debt can be included in a debt consolidation program. For example, credit cards, medical bills, student loans, taxes and bank lines are debts commonly consolidated. Secured loans such as a mortgage or a car loan usually can not be consolidated successfully http://www.debtgroupamerica.com/debt_consolidation_services.php Often, loan consolidation is confused with debt consolidation services, whose offers frequently appear in the mail or through e-mail and are designed for people with severe debt problems. The debt consolidation service renegotiates loan terms with your creditors and consolidates the loans into a single payment through the debt service . The use of a debt consolidation program can hurt your credit rating for a short time frame, but no where near as detrimental as bankruptcy. Loan consolidations, on the other hand, are generally available only to people with excellent credit ratings, or individuals who choose to risk their home as collateral. Consolidation loans come in many forms, the most common being home equity loans, home equity lines of credit, "cash out" home refinancing, student loan consolidation programs, and personal loans through financial institutions. Here's how to tell if a debt consolidation service is something you need to consider. Evaluate your financial position: Write down the exact details of your income and expenses for two months. Now add up all your debts and total the minimum payments due on each. Financial planners say if you can afford to pay double the amount of all your minimum payments each month and still put away at least 10 percent of your income in a savings fund for emergencies, you just need a disciplined spending plan so you can accelerate paying off debts. Can you get a cheaper cellphone plan or make do with basic cable? You'd also be surprised at how much you can trim from your monthly out-of-pocket expenses by making a weekly shopping list for groceries and personal-care items and sticking to it. Avoid using credit cards and refrain from unscheduled trips to the ATM. Call each creditor with whom you've been delinquent and ask to work out a re-payment plan, and again, stick to the program. You may not need to render debt consolidation services after all. Know when to seriously consider debt help: Several of the following factors combined can signal that you need professional debt consolidation help. • You avoid collection calls because your not sure how to repay or reply.• If your forced to purchase necessities on credit that you would normally purchase with cash.• lf you regularly skip some bills to pay others or take credit-card money advances or borrow money to make ends meet until payday. Your level of debt, your level of discipline and your prospects for increased income are key indicators of the kind of help that's right for you. In addition to simple budgeting and credit counseling--but before bankruptcy--there's debt consolidation services provided by Debt Group America. Be aware that only 33 percent of those who seek our debt consolidation help actually qualify for this service. http://www.debtgroupamerica.com/debt_counseling.php There are many reputable debt consolidation counselors. The best offer a range of services, including debt education, budget counseling and debt-management programs. Some people can resolve their financial problems simply by examining their spending habits and making some changes. Others may have suffered a major setback, such as a job loss, and need more help. If this is your situation, Debt Group America's debt counselors can set up a debt management program. In a debt management program, debtors / clients in distress are required to provide a list of their bills. A designated consolidation counselor contacts the creditors and negotiates concessions, such as a lower interest rate. The debtors make one adjusted monthly payment to the agency, which disburses the funds to the individual creditors. Debt Group America and it's partners retain close ties to creditors, our debt consolidation counselors offer a fulfilling incentive to clients who are eligible for debt consolidation and management program enrollment. Any client that doesn't qualify for our debt consolidation program will be directed towards a lawyer who can advise them on bankruptcy. Creditors say that the our debt consolidation / management system benefits everyone because consumers are able to work out their problems without resorting to bankruptcy, which can make it difficult to borrow money in the distant, and even near future. If Congress approves a bankruptcy reform bill, debt counseling companies and debt counselors will be in even more demand. The bill makes debt counseling a precondition for declaring bankruptcy. It's important for consumers to consult a debt counselor well before they are considering to file for bankruptcy. http://www.debtgroupamerica.com/debt_negotiation.php Debt Group America practices debt negotiation, but on a creditor friendly level to insure our clients credit score doesn't severely decrease. However, todays negotiators, unlike our service works against, rather than with your creditors. In the past and present the debt negotiation strategy has been deemed useful and is practiced throughout America by the thousands. The debt negotiation process is often successful because credit card companies and lenders know that the rate of bankruptcy filing is very high. Thus there is less chances of recovering the full debt amount if the debtor files bankruptcy than if debts are properly negotiated. The entire negotiation process is based off of your risk as a debtor to file bankruptcy. Some creditors, dont give in to the aggressive approach taken by debt negotiation companies, but if your willing to roll the dice, then debt negotiation may work to your advantage after all. Debt Group America negotiate a payment amount that will satisfy our clients and your creditors at the best rate possible for you. We have a strong relationship with major creditors allowing us to work out the best savings plan available. Our debt consolidation and management services can quickly help eliminate your debt and the stress that it causes you. Receive a free consultation with one of our debt consolidation counselors today! http://www.debtgroupamerica.com/debt_pay_off_calculator.php This calculator will compute how much you will need to pay each month in order to pay off a given debt by a selected payoff goal date. http://www.debtgroupamerica.com/debt_relief_done_right!.php Debt Relief with Debt Group America is accomplished the right way! Our debt consolidation counselors talk with people just like you and discovered that employees even employers across all income levels impatiently count down the days until they get paid. Primarily because most American's stretch every hard earned dollar past their pay scale, today no one likes to live within their financial means, it's no longer practical to save for retirement. The new trend and overall mentality is now! We've also counseled people who were once dwindeling precariously over a canyon of debt but who have done a complete turnaround and have regained firm footing. Whether you're earning minimum wage or six figures, you can learn not only to live within your financial means, but to also begin saving for a bright, prosperous future. Debt Group America's team of debt consolidation counselors are debt relief experts who can weighed in on your current financial situation. 3 Simple Debt Relief Steps: • Conduct a budget analysis based off several factors gained during a clients initial consultation. • Determine how much a client can comfortably afford to pay down per month, thus determining enrollment longevity. • Begin negotiations with creditors, thus lowering (often eliminating) interest rates. http://www.debtgroupamerica.com/debt_relief_made_simple!.php Before you can tackle your debts, you'll need to stop building them up. The rule is straightforward: If you don't have enough hard cash and steady income, don't buy the item. Credit cards don't feel, smell, or even look like real money, which makes it incredibly easy to spend more than you can really afford. Your path to debt relief can start by simply ridding yourself of whats known as "bad debt" (credit cards, department store cards, car payments, etc.). They tend to have higher interest rates than mortgages and student loans, which are both considered "good" debts because they're investments in your future, and overall wellbeing. If possible, negotiate lower interest rates. If you have a good record of paying bills, contact your creditors to see whether you can get a better rate. Slashing interest rates down means that more of each dollar is going toward paying off your balance. Dont fall into temptation by opening up new credit card accounts. You'll spare yourself from digging a deeper hole in debt. Pay your bills the easy, less expensive way, online. If you miss one bill, all your other lenders can punish you with universal default, meaning they can hike up your interest rates on all your credit cards. To prevent yourself from falling into a debt trap, take advantage of automatic bill payments available at most banks. And last but, certainly not least if you do decide to open up a new credit card account make sure to read the fine print before submitting yourself into what could lead you back to Debt Group America for round two. http://www.debtgroupamerica.com/debt_relief_with_dga.php Debt Group America helps clients realize the wrong relationship they've built around money. Whether spending too much of it, or spending way too much time caring about it. Many clients mismanaged their income so much that their lives were in bondage to debt, and soon became a spiritual depressor of growth. Debt Group America's debt consolidation counselors see the world differently. In the current credit card crunch, more borrowers are turning to debt consolidation and relief programs. The debt relief industry alone helped 2.7 million individuals in 2007, a nearly 30% jump from 2006. Without the usual rate breaks, debt consolidation companies and counselors abroad think more people will fall behind on their payments. That could potentially lead to an uprise in bankruptcies. A study by Visa Inc. found that 50% of consumers who dropped out of credit counseling programs declared bankruptcy. $38 billion dollars was the amount of bad credit-card debt in 2007, vs. $36 billion in 2006. Debt Group America provides more than tips on how to get out of personal debts, we take the necessary steps to get you out of debt, the right way! Debt relief strategies include the creation of a budget to determine how much money could be allocated to payoff your debts, prioritizing debt payments, negotiating with creditors to lower the interest rate on outstanding balances and much more. If you can outsmart the crafty plastic providers then you may not need debt relief with Debt Group America. But if its crunch time now that last months dreaded bills are starting to arrive, then our debt consolidation program may be in your best interest. If you're not cautious, you'll land in booby traps set by credit card issuers, who typically charge interest rates of 14 percent or more and late or over-limit fees as high as $39. But, you can beat the credit card companies at their own game and save even more, just by knowing and more importantly applying simple money saving steps. First, don't wait to pay your credit card bills. When you carry a balance, interest accumulates every day you wait. Did you know some cards charge interest from the time of purchase, even when there's no balance outstanding. Many now require you to pay within 20 days (the "grace period") of your statement's closing date to avoid owing interest. What's more, if you're late, the credit card issuer might jack up your interest rate--immediately--to 30 percent or higher, without your knowledge. Rates may get hiked on your other cards, too, even if you've paid them on time. How does that happen? Almost all banks keep checking their customers' credit histories. If they see you paid one card late, they may decide you're a higher risk and start charging more. So your probably thinking, "they can't do that"! But they do, everyday. Secondly, Pay your credit card bill the day it arrives. That way, you won't forget and you won't rack up interest charges. When the statement comes, don't move it to your "current bills" pile. Get out a stamp and write a check, or take care of it instantly online. Alternatively, arrange to pay the bill automatically from your bank account. Avoid paying by phone; there's often a fee. http://www.debtgroupamerica.com/debt_services.php The fact that there is a low cost involved means ultimately better service and a better results. Additionally more than two third of our capital is spent to improve our services, and the money that is earned is reinvested into the debt consolidation counselors, marketing expenses and company itself. This vastly improves quality and allows us to keep-up-to-date with rapidly changing technology, to provide our customers with a low cost, dependable and timely debt relief program. Debt Group America, it's partner's and affiliates provide an economically efficient debt consolidation and management service that clients can rely on. By charging a low debt repyment fee, we can look forward to continuing to provide the best service possible with cutting-edge technology, award-winning software, and knowledgeable, professional debt consolidation counselors and customer service. The objectives here are to consolidate debt, avoid paying fees, and lower your interest rates. First, arrange an automated monthly payment system to cover all of your minimum debt payments. Next, attack the debt with the highest interest rate. Debt Group America repeats this step until our clients debt is completely gone. http://www.debtgroupamerica.com/debt_settlement.php Debt settlement associates provide verbal communications to creditors / collection agency on behalf of the debtor / consumer they are representing, debt settlement consultants help their clients negotiate outstanding debt and past due credit card bills. Unlike Debt Group America, debt settlement is not a credit counseling service, debt consolidation company or a consolidation loan. Rather, a buffer between you and your creditors. Most debt settlement companies will set up a trust account within a bank or law firm. Once you and your debt settlement counselor determine a payment plan for you, you will make that payment directly into the account instead of paying your creditors directly. The purpose of any debt settlement program is to stop paying your credit card issuers and lenders and instead grow money in a designated account until the amount is enough to close in on your creditors and negotiate an influential payoff amount. Debt settlement like debt consolidation and credit counseling has it's perks, however not all creditors are willing to negotiate with debt settlement companies and often choose to reject some if not all settlement request's. The purpose behind debt settlement is similar to that of debt consolidation, but achieved very differently. The debt settlement process helps any person owing credit card debt, medical debt or any personal unsecured debt . Debt settlement counselor are trained to approach creditors in an unemotional manner, therefore eliminating the verbal threshold that lies between debtors and creditors. Debt settlement counslelors not only discuss the best ways to settle your delinquent accounts, but also utilize the fastest, most affordable method. The length of every debt settlement plan will be determined by your counselor, and is determined by your income to debt amount. During the course of a debt settlement program, your circumstances may change, if so a counselor will devise a new plan that better suites your needs. http://www.debtgroupamerica.com/debt_to_income_ratio_calculator.php This calculator will determine your debt to income ratio. A debt ratio greater than or equal to 40% indicates you are not at good risk for lending money. http://www.debtgroupamerica.com/how_does_debt_consolidation_work.php The priority of Debt Group America's U.S. debt consolidation counselors is to not only emphasize the importance of debt consolidation, but to also spread financial knowledge through daily verbal transactions. In the next few paragraph's Debt Group America will describe the accrual of debt and teaching of debt consolidation. With today's busy lifestyle and fast paced, ever changing nation and economy it may probably seems difficult to focus beyond the next year, let alone next month. However, it is critical to take a long-term view of your financial situation. Paying off debts is and will continue to be the top financial priority among American's. But figuring out which debts to payoff first is a mystery itself, a problem that Debt Group America can help you solve. The credit card dilemma is a common setback for families struggling to repay a variety of loans and unsecured debts. Should you pay your credit cards first, and in what order, or are you better off putting extra money toward, say, your mortgage or car loan? In general, credit cards usually render higher interest rates than car loans, which are pricier than tax-deductible mortgages, which in turn cost more than deductible student loans. So it's typically in your best interest to pay off debts in that order. Simply explained, debt consolidation is not a loan, but a way to lower your monthly payments and reduce (often eliminate) the interest you are currently paying. Debt consolidation is successfully achieved by combining your unsecured debts into one consolidated, fixed monthly payment. Interest rate reductions and interest elimination are just some of the many benefits associated with debt consolidation. To find out more about debt consolidation and your debt contact one of our several debt consolidation counselors today! http://www.debtgroupamerica.com/how_much_can_i_save.php Our debt consolidation counselors have years of fleet experience in the financial industry and have a passion for helping clients save money quickly while reducing interest rates and lowering monthly payments in the process. Our debt consolidation counselors and consultants are among the most professional in the business. They consolidate thousands of dollars of debt for our clients every month. The average client saves anywhere between 30-70% off their original debt balance. To view previous client savings click here. Your creditors are satisfied when your outstanding credit card balances have been successfully resolved. Debt Group America achieves it's goal by reducing your debt amount, meanwhile our clients save thousands of dollars of unwanted debt and years of stress and anxiety! Searching for the best debt consolidation and management program to meet your debt problems can be difficult, Debt Group America can show you what debt relief options are available. Your financial wellbeing and future depend on finding the best solution to your current debt situation. One of our debt consolidation counselors will help you reach a positive debt solvency. By completing our safe credit card debt repayment and consolidation program, you'll regain the credit score you've achieved and deserve. Saving is simple with Debt Group America, find out how much you can save by contacting our debt consolidation counselors. In addition receive details regarding our programs and services. http://www.debtgroupamerica.com/is_debt_consolidation_safe.php Debt consolidation is the safest debt management process available to consumers who can't afford their current bills, why? Debt consolidation and counseling companies have relationships with thousands of creditors nationwide, so creditors are much more inclined to helping people resolve their credit card problems and unsecured past due debt. This is achieved by establishing a scheduled repayment plan that is based on the consumers current budget. Consolidation loans could put your home at risk, because most consolidation loan lenders require collateral before lending, and this could be very dangerous, our program does not put your home and well being in harms way. Statistics show that bankruptcy can become detrimental to anyone's financial future and stability, especially American's that are catogorized into the middle, or lower class income level. Primarily because most middle class citizens depend on credit cards and loans for future business, financial, family or lifestyle purposes. Debt Group America's debt consolidation service lowers your monthly obligations and reduces the interest you are currently paying. Most unsecured debt can be included in our debt consolidation and management program. credit cards, medical bills, student loans, taxes and bank lines are debts commonly consolidated. Debt Group America provides a credit and debt consolidation service that has been proven safe. Our fast and simple approach to debt relief keeps the client's best interest in mind, if after conducting a budget analysis our debt counselor believes our debt consolidation service does not suite your specific debt situation, we can refer you to a reputable bankrupty attorney or adjacent partner that can further assist your financial needs. http://www.debtgroupamerica.com/Less_in_the_load.php Bad news for the credit card companies may be better news for you. There are signs and trends that consumers may be responding to higher rates by doing something almost completely unexpected and practically un-American--paying down credit card debt with the assistance of debt consolidation companies. The credit card industry presumes, based on happy experience, that Americans will ignore higher interest rates and keep borrowing more money each quarter to support their spending habits. But last quarter, Debt Group America, to its apparent shock, found what it called `unexpectedly high payment volumes' from US credit card customers. Even better, from our point of view, is that people were paying off more debt on accounts with higher interest rates. In other words, customers didn't respond to rising rates by making the minimum payment and then going even deeper into debt. They actually did the wise thing! It turns out many customers are having entirely rational reactions to rising interest rates and perhaps to the new tougher bankruptcy law. They're taking the sometimes painful steps necessary to reduce credit card debt before it overwhelms them. Of course, even if more consumers are dealing with debt more rationally. Credit cards are so beloved in American homes, they are practically family. It's going to take a lot more than higher interest rates to get Americans to kick the habit. Credit cards seem to be more accessible than ever and there is no question that the tiny pieces of plastic is incredibly convenient. They can also be a lifesaver when comes to emergency expenses. But for the approximately 60 percent of credit card users who don't pay their balance in full each month, what seems like a life raft can quickly become an anchor. So if your one of the 60% who don't payoff your credit card balance in full, beware. Today's spending policy in Washington seems to have trickled down to American citizens, who are frequently encouraged to be "good consumers" in order to boost the economy. But debt levels and personal savings pay the price. Twenty years ago the average American saved nearly 11 percent of his or her income. Today that amount has fallen to less than 2 percent. That decline in savings has left many unprepared to deal with life-altering events, such as divorce, medical problems, unemployment or retirement, leading them to use credit cards to bridge the financial gap. Large amounts of credit card debt can be paralyzing, but outside help is available in many forms; one being debt consolidation, however Debt Group America encourages consumers to weigh out any and all of their debt relief options before enrolling in our debt consolidation service. We try and demonstrate that largely your financial situation is not the problem, it's the symptom, The way we spend money really is a window into our values and priorities. http://www.debtgroupamerica.com/lower_monthly_obligation.php Don't panic if you are heavily in debt, Debt Group America can draw up an agreement and establish a schedule of reduced repayments to all of your creditors. People who find themselves unable to repay their debts are being urged to seek advice with money problems to avoid getting too deep into debt. In County courts, people at risk of being evicted from their home as a result of possession proceedings can get advice and support from Debt Group America. Our debt consolidation counselors and partners specialize in giving people details of free advice providers to assist them with their debt problems that are currently on display. The Government is also pressing ahead with plans for creditors to give people owing them money information on how to contact them to discuss problems, including details of independent free advice providers in a letter before taking legal action, helping them to avoid lengthy court proceeding. Proposals to give judges powers to issue Enforcement Relief Orders to give people who have temporary financial difficulties a short break from repaying a debt where there is clear evidence that their circumstances will improve within a short period are also being considered, following consultation. If your debts are serious, lower your monthly payments by taking advantage of Debt Group America's credit card debt consolidation and management programs. Our programs are designed to lower our clients monthly obligation. Freeing our clients from credit card and unsecured debt allots not only time to breathe, but helps our clients focus on whats most important, secured debts such as mortgages and rental installments. If you think our service may be in your best interest, contact a debt consolidation counselor today! http://www.debtgroupamerica.com/minimum_payment_interest_calculator.php This is the interest you will be paying! This calculator will estimate the amount of time it will take to pay off a given debt and the total interest that you will pay between now and when the debt is paid off. Calculator will assume Minimum Payments are $15 of balance, or 2.5%, whichever is greater. http://www.debtgroupamerica.com/one_consolidated_payment.php Instead of traditional and nontraditional financial management programs and mechanisms, Debt Group America, it's debt consolidation counselors and partners offer real credit card debt reducing programs and opportunities for structural savings to occur, but only if your unsecured debt is enough to qualify, qualification is determined by your debt amount, type of debts and willingness to payback a fraction of the total debt amount owed to your credit card issuers and lenders. Assume you want to consolidate multiple higher-rate loans into a single lower-rate loan and make one consolidated payment. To do this cost-effectively, keep the following points in mind: Your monthly, fixed and consolidated payment is based solely on your income and debt, a certified debt counselor will contact and negotiate with all your creditors to agree on a consolidated monthly payment amount. Every month you send the agency a single payment that is portioned out to each of your creditors until your debts are paid off. Our debt consolidation counselors can arrange with your creditors to reduce or waive interest and late fees. http://www.debtgroupamerica.com/our_mission.php Debt Group America understands how difficult it can be to seek help. It takes a lot of courage to face your debt and overall financial problems. And it's not just overspenders who seek out services. Debt Group America see's cases in which a person has had a serious illness, and a lot of elderly people that have recently retired and started charging their medications on their credit card. Debt Group America provides America's most legitimate service that pair's each client with a credit counselor who provides financial education and the tools to develop a budget, one that includes a debt-repayment plan. Our plans require clients to deposit money each month with the counseling service, which then distributes payment to the creditors, who may or may not offer reduced interests rates or fee reductions. Other companies are less up-front, charging hidden fees or offering bankruptcy disguised as debt relief. (Bankruptcy is generally considered to be the solution of last resort because of its long-term effects. A bankruptcy stays on a credit report for 10 years, and can make it difficult to obtain credit, buy a home or get life insurance. Despite these consequences, more than 1.6 million personal bankruptcies were filed in 2007 alone, the largest number ever. According to the U.S. courts, filings increased 7.4 percent from 2002 and almost 100 percent since 1994). Financial health isn't entirely about dollars and cents; emotion also plays a part, at Debt Group America we take our clients confidentiality into the upmost account. Many people seem to over acquire possessions. Others find that shopping -- on the Internet, off the television, or in the mall -- can give them a high or calm them down when they are in distress. The downside is that once those good feelings have gone away, the debt remains, it's Debt Group America's sole responsibility and mission to positively impact our clients financial situation by utilizing every resource within our legal limits. http://www.debtgroupamerica.com/what_does_your_service_consolidate.php Are you disciplined enough to take advantage of a debt consolidation program? This may sound like a ridiculous question, but it's not uncommon for people to consolidate multiple loans, lower their overall interest rates and payments, reduce their overall debt amount by 40-60%, and then go back out to rack up new debt. This defeats the entire purpose of Debt Group America's debt consolidation service. With Debt Group America's debt consolidation service our consolidation plans very per client, our counselors are trained to to provide assistance depending on your needs. Our debt consolidation service offers clients the oppurtunity to eliminate debt within 1-3 years, that's a pretty attractive offer, considering it takes the average person 10 to 20 years to make credit balances disappear. However, participating in a consolidation program could temporarily affect your ability to get new credit or a loan because some creditors will put a red flag to lenders on your credit report. Here's how the plan works: 1. After giving Debt Group America's debt counselor the account names, numbers and balances that you want to combine, we will help you work out a budget and determine how much you can afford to pay toward your debts. 2. A designated debt consolidation counselor will then contact your creditors and work out payment arrangements. 3. You make a monthly payment directly to Debt Group America, who will pay the creditors on your behalf. 4. The accounts placed in the program are frozen until they are paid in full. Before you look for a debt consolidation company, first determine what service you need. http://www.debtgroupamerica.com/why_debt_consolidation.php Why choose debt consolidation with Debt Group America? Because we help people with regular income effectively manage, and consolidate their debt by making fixed monthly payments. As a client, your consolidated month to month payment is kept practical and not determined until after receiving a budget analysis from one of our debt counselors. Debt Group America's online message is simple: don't bury yourself any further in debt. Find the right help at the right time. Theres a huge difference between losing your home and jeopardizing your credit score for a very short period of time, far less than bankruptcy. True, Being in credit card debt will bring misery to anyone, but losing your home on top would be harder. That is why Debt Group America stresses the consequences of consolidation loans (which will put your home in jeopardy) and focuses on the importance of debt consolidation. Our debt consolidation plan stops people from sliding deeper and deeper into debt. Debt advice from Debt Group America is already transforming the lives of people who were struggling to pay their rent and in danger of losing their homes, by negotiating repayment plans suitable to them, their creditors, and lenders, thus freeing up income to focus on whats important. Debt Group America also helps people avoid the incurring court costs associated with bankruptcy. Not to mention, the stigma of a court appearance is not only stressful but time consuming. Debt Group America reaches out to people who may simply have felt overwhelmed by the past due payments or other personal loans such as credit card debt. Constantly owing money to lenders becomes personal, and Americans who are poor money managers increase their chances of stress related illness. Then again, which American hasn't at one point struggled to stay out of debt? The important issue at hand is finding the best way out of debt, safe, legally and in a shorter period of time! http://www.debtgroupamerica.com/debt-consolidation-sitemap.php Web Pages: Homepage - Debt Group America, American Debt Consolidation Company, Debt Calculator Main Menu, Chapter 13 Bankruptcy - Consumer, Business Debt Relief, Chapter 7 Bankruptcy - Unsecured Debt Relief, Debt Consolidation Program Examples, Credit Card Debt Relief, Debt Consolidation Support, Debt Consolidation, Debt Consolidation Company, Debt Consolidation Services, Debt Counseling, Debt Negotiation, Debt Payoff Calculator, Debt Relief Done Right - Debt Group America, Debt Relief Made Simple, Debt Relief with Debt Group America, Debt Services, Debt Settlement, Debt to Income Ratio Calculator, How Does Debt Consolidation Work, How Much Can I Save, Is Debt Consolidation Safe, Less'n the Load, Lower Monthly Obligation, Minimum Payment Interest Calculator, One Consolidated Payment, Our Mission, RSS Feed - Debt Consolidation Information Subscription, What Does Your Service Consolidate, Why Debt Consolidation, Debt Consolidation Sitemap.