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Settle Your Credit Card DebtsOur debt-relief program is better at solving credit card debt than bankruptcy. We can reduce your total credit card debt balance. This means you owe less money. The less you pay, the quicker you can settle your debts. Our debt-relief service can get you debt free in three years or less. Bankruptcy can take a few months or up to five years. You can dismiss debt two ways under bankruptcy: you can have your property liquidated (or sold off) so the proceeds can go to creditors (Chapter 7); or you can file a repayment plan through the federal court (Chapter 13). Our debt-relief service also involves a payment plan, but it is much faster than Chapter 13 bankruptcy. Payment terms to creditors under Chapter 13 bankruptcy are three to five years. A bankruptcy stays in your credit history for 10 years or longer. During that time, you will face higher interest rates for loans and credit cards, or you may be turned down for these altogether. Plus, background checks pick up bankruptcies and can prevent you from getting a new job. Author bio: Brian Williams, a graduate of the University of Texas at Arlington, has 11 years’ experience writing and editing at daily newspapers in Texas. Having worked his way through college and experiencing the transition to professional life, Brian understands how credit affects people’s lives. For more articles by Brian on credit help and filing for bankruptcy, go to http://www.creditsolutions.com. Credit Solutions is your alternative to debt consolidation.
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