http://www.credit-card-debt-relief.biz/debt/debt-negotiation/ Debt negotiation is a key component to debt consolidation. Read on to see how debt negotiation works. en-us Mon, 12 Dec 2005 12:34:02 EST Mon, 12 Dec 2005 12:34:02 EST Weblog Editor 2.0 Where can you turn when you need total assistance with your consumer debt epidemic? Well, we can get you started in the right direction. We will guide you toward the ultimate specialists in the non-profit sector when you complete our free, secure form today! Don't miss the chance to receive free quotes and referrals to the most respected debt counseling professionals in the industry. Sobering Statistics About American Debt Americans bought $2 trillion worth of stuff on credit in 2004 Current unpaid, unsecured debt in America stands at $800 billion The average amount of unpaid credit card debt for families who have it is $12,000 Credit card debt for Americans living below the poverty level doubled by the mid 1990s. The average credit card balance for senior citizens went up 89% from 1992 to 2001 Average consumer debt per person in the U.S. is over $7,000 Over 55 million Americans need debt help That should be enough information to make you realize that you are not alone in your fight against debt. You might not know this (or you might suspect it) but there's a whole industry dedicated to debt reduction. The purpose is to help people in the above situations experience debt relief through a number of debt management programs. The most popular of these programs is debt consolidation, which uses debt negotiation as a key component to its success. Another popular program that uses negotiation is a debt settlement. Those of you with access to a lump sum of cash should consider inquiring about this after filling out our free, secure form. How Debt Negotiation and Debt Consolidation Work As we said before, debt negotiation is at the heart of debt consolidation. What happens is you hire a debt negotiation firm to negotiate with your creditors to get your unsecured balances and interest rates reduced. They do this by explaining your situation and how you got there, then they use their debt negotiation skills to get past fees removed (like late fees, over-the-limit fees, etc.) if those applied to you. You may not think that will amount to much, but at $20-$30 a pop, those can add up fast, especially if you've had a lot of them. And think about this: Credit card companies made $7.7 billion in late fees in 2003. Once your balances are reduced, you have a whole new set of balances that are combined into one. The new amount is up to 57% less than what it would have been if you didn't use debt negotiation services to help you out. Once the new balances are combined into one, you make one monthly payment to the debt negotiation company instead of several monthly payments to your creditors, and you can be debt free in about five years. To some that doesn't sound like a long time, but to others, it sounds like an eternity. To those people we say, consider this: The average college student owes $2,800 in credit card debt (not including student loans). If he or she pays $50 a month and the interest rate is 18%, it will take more than ten years to pay it and he or she will have paid $6,154. To get a debt consolidation company on your side, simply complete our secure, online form. Our associates are standing by, waiting to give you quotes and referrals to the best debt elimination companies in business today. Whether you need debt consolidation, a debt consolidation loan or student loan debt consolidation, they can get you enrolled in the right plan for your situation to get started down the road to debt recovery. Fill out the form to get started today. Get rid of the personal debt that has been bogging you and your plans down and find out more about all of the debt solutions that can help you. Mon, 12 Dec 2005 12:34:02 EST http://www.credit-card-debt-relief.biz/debt/debt-negotiation/debt-settlement/ Debt settlement can be the best approach out of debt for you. Excel with an enforced debt settlement. en-us Mon, 05 Jun 2006 13:50:49 EDT Mon, 05 Jun 2006 13:50:49 EDT Weblog Editor 2.0 http://www.credit-card-debt-relief.biz/debt/debt-negotiation/debt-negotiation-firm/ Debt negotiation firm: Find the best with our help. We have the skills and resources to find the debt negotiation firm that's perfect for your situation. en-us Fri, 03 Jun 2005 14:59:13 EDT Fri, 03 Jun 2005 14:59:13 EDT Weblog Editor 2.0 http://www.credit-card-debt-relief.biz/debt/debt-negotiation/debt-negotiation-services/ Debt negotiation services are at your service. Debt negotiation services use the art of negotiation to get your unsecured debt balances reduced. en-us Fri, 03 Jun 2005 14:58:17 EDT Fri, 03 Jun 2005 14:58:17 EDT Weblog Editor 2.0