Debt Relief Programs That Make Sense
By: Eric Gartle
If anyone thinks about it going into a debt relief program makes no sense. No one should be in the position to need a debt relief program, unfortunately life happens...
There are many ways to alleviate the burden of debt, call it what you will, consolidation, debt negotiation, debt settlement, etc.. In the end it is all the same. These are programs designed to lighten your monthly load of payments. How did one get here in the first place? Overspending, illness, job loss, etc.. It does not matter how one got here, what matters is how one is going to get out.
Some debt relief programs make sense, some do not, one has a choice. If one is in debt why choose a program that will charge money upfront? I have heard if the program does not charge money upfront something must be wrong. It is time to wake up, why would anyone in their right mind say no to something that is not going to cost them a penny. The only reason I can think of, is the old saying that goes like this, "nothing is for free in life". If I'm given the option, I'm taking the program that charges no upfront fees, call me a fool if someone says they are going to go to work for me for free, I'm definitely going to give that someone a chance. Low commission fees, of course I will take them. What is wrong with not getting my eyes gouged out? No maintenance fees, even better. Expensive does not always mean the best when it comes to debt relief. Remember, you are already in debt, why go deeper in debt.
If you want to give away your hard earned money, go ahead there are plenty of takers. I will tell you why I advise people to go with companies that charge low fees. Because all of that upfront money goes right into the debt relief companies bank accounts strictly as earnings for doing nothing, that is why. For example, if someone goes to the store for a gallon of milk, do they pay for it upfront and come back the week after for it? The answer is NO, they do not. We must all do the same with the debt relief program we choose. Ask for results, pay later. That is a debt relief program that makes sense in my mind, does it in your's?
Next time any one tries selling you a debt relief program that is worth it's weight in gold, please think again. What you may end up with is a sack of coal. Please do not get burned and ask for results before you spend your hard earned money on a program that may not fit your needs.
Eric Gartle has worked in the debt settlement industry for the last 10 years and has vast experience negotiating personal as well as business debt. For more information please visit http://www.pemperandgartle.com
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