Even when they don’t seem too big at first, the gradual accumulation of your credit card debts, medical bills, personal loans, and other types of debts can easily put you in an overwhelming total amount of debt. So if you’re one of the many who now struggle to pay off their debts, our North Carolina debt relief service can help.
Optimal Debt Solutions runs with a team of expert debt specialists who are trained to meticulously assess every debt crisis that our clients have, allowing us to carry out a negotiation that best benefits their situations. We will help you reduce your overall debt and create a debt relief plan that suits your financial status, all while helping you stick with the plan in the most efficient way.
Additionally, our assistance can make your creditors more considerate, so you can expect the aggressive calls to be less frequent or to cease totally. And more importantly, you’ll get the most value out of your money since we only charge a minimal service fee, no hidden charges guaranteed.
Call Optimal Debt Solutions at (704) 765-9813 for your Free Evaluation with a North Carolina Debt Relief specialist!
If you’ve come to a point where fully paying your debts is nearly impossible, asking for help from a North Carolina debt relief expert will be a wise move. Optimal Debt Solutions can help mitigate your situation by aiming to substantially reduce your payables, securing payment terms that are feasible with your current financial situation, and guiding you in becoming more responsible in managing your debts.
After our evaluation, if we see that you qualify for a debt settlement—which means you have unsecured debts and currently facing a financial hardship that prevents you from fulfilling the terms of your original credit agreement—we can negotiate with your creditors and give you a chance to reduce your debt by up to 60%.
Whether your problem lies with your credit card debts, medical bills, unsecured loans, or other types of debts, our debt specialists can always find the most efficient way to help you. We will carefully consider all the unique factors in your case and draft up a debt relief plan that is best manageable with your financial status and could best serve your future financial goals.
Most debtors choose from either debt settlement or debt consolidation when in search of an effective debt relief option. While each of these choices has specific advantages, each also has some disadvantages that you need to carefully consider before proceeding.
Debt consolidation is the solution you’re looking for if you want an easier way of tracking your debt balances and interests, only giving you one creditor to worry about instead of making multiple monthly payments. In this process, you can take out a new larger loan to pay off your other existing creditors, or you can use a balance-transfer credit card where you can benefit from the 0% interest rate if you pay your balance within the given promotional period.
If you don’t qualify for a new credit card (open for those with excellent credit scores, 690 or higher), you may hope to get a loan with a lower interest rate. However, this can be less likely if you have lots of other creditors. Also, keep in mind that debt consolidation won’t likely reduce your debt by a substantial amount since you’re basically only getting a larger new debt to pay off all your other debts.
Debt settlement, on the other hand, is the relief option that could actually reduce your debt by half or even more in some cases. Optimal Debt Solutions can help you do this by negotiating with your creditors, establishing that your financial hardship keeps you from paying your remaining debt in full. And once they agree to settle, you can pay for the agreed amount in either a lump sum or through installments.
However, despite the big savings it offers, debt settlement can have a significant negative impact on your credit score. This can reflect poorly on your future applications for loans and credit cards.
If you want a more thorough discussion about the pros and cons of the solutions applicable to your debt crisis, talk to our North Carolina debt relief experts today. They’ll gladly evaluate your situation and give recommendations that are tailored to your specific situation.
At Optimal Debt Solutions, our North Carolina debt relief specialists operate on the knowledge that no two circumstances are alike and that we need to tailor the solutions we provide for each client. Instead of utilizing a one-size-fits-all solution, we will begin with a meticulous evaluation to fully understand your debt crisis.
By gathering information about your number of creditors, the total amount of debts, current assets, and potential income, we can create a debt relief plan that is most beneficial for you. If it’s debt settlement, we can then negotiate with your creditors and try to reduce your payables as much as possible.
One thing we are proud of is that Optimal Debt Solutions is known to have good relationships with creditors all over the state, which better serves our clients. By being represented with a name that’s on the good side of creditors, it can be easier for you to obtain a substantial reduction in your debt and have more manageable payment terms.
More importantly, whether you end up utilizing a debt settlement or debt consolidation program, we are here to remind and help you to stay consistent with your payments. We’ll even impact some basic credit management skills so you won’t be neck-deep in debts in the future again.
Aside from working hard to earn more, being wise in acquiring debts and managing your payments are essential in keeping your financial freedom. If, however, you’re already unfortunate enough to be buried in debts, Optimal Debt Solutions can help you regain financial stability through our debt relief services.
Our training and professional experience have already allowed us to help thousands of clients each month. And should you choose to work with us, you can be another relieved debtor that attained a debt-free life. We will not only negotiate with your creditors on your behalf, but we’ll also ensure that you learn the necessary skills to not have the same debt crisis in the future.
Additionally, we only charge a minimal service fee which will be fully disclosed at the beginning of our partnership.
Call Optimal Debt Solutions at (704) 765-9813 for your Free Evaluation with a North Carolina Debt Relief specialist!
