Georgia

Nationwide Credit Solutions Inc. specialists can help you pay off your credit card debt and other debts, and discover the freedom of working for yourself instead of working to pay off your bills. Many American families and singles are struggling with their debt load. Their credit cards are maxed out. They can't make the minimum monthly payments on their credit cards. Their expenses outweigh their income. They're heading for bankruptcy and foreclosure and they think there is nothing they can do. There is.

We are Nationwide Credit Solutions out of Richmond Hill, NY, and we can help. We have worked with financial institutions across the country and have earned the respect of those institutions. One of our debt consultants will develop a debt relief plan between you and your creditors with a goal to getting you out of debt within three years—in some cases as little as 12 months!

Thousands of Americans have already discovered the freedom of debt settlement through one of Nationwide Credit Solution's debt consultants. They have come to us for foreclosure help. They have come to us to help them lower the amount they owe and pay off the rest. They have come to us because they don't want to live—or have come to a point where they can no longer live—under the weight of their debt stress.

What exactly does Nationwide Credit Solutions do?

When you call our office, you will be matched up with one of our debt consultants. Their job will be to find out your particular situation and determine a debt relief plan to present to your creditors. This debt relief plan may include debt consolidation, debt settlement or debt negotiation. Whatever it includes, you will have the peace of mind that comes from knowing you are working with professionals that know what they are doing—and that you are not doing this alone.

Each personal debt relief plan will provide you the satisfaction of watching those balances come down and the security of a “back-up” plan, should the unexpected car catastrophe or medical emergency arise. You will also always remain in control of your plan.

Debt Settlement Plan Options
When your Nationwide Credit Solutions debt consultant puts together your debt settlement plan to help eliminate your debt, they consider a few options. Some clients will need a combination of approaches. Some clients may only need one option. Some situations may require more in-depth measures to finalize a debt settlement plan.

Debt consolidation means combining all your debts into one amount at one financial institution. This offers the advantage of transferring your total amount owing into one place that has a lower interest rate than spreading the debt out over five or six sources. For example, if each of your five credit cards is charging 18 percent interest on every one of your maxed out balances, that's a total of 90 percent interest. Consolidating can bring to you one creditor with, say, a 29 percent interest rate on everything—three times less than what you were paying.

Debt settlement means arranging a plan with your creditors, perhaps including elimination or lowering of your interest rate, so that your debt can be paid off to their satisfaction and to your relief.

Debt negotiation means your Nationwide Credit Solutions debt consultant will negotiate on your behalf with your creditors to lessen the total amount you owe—sometimes up to 50 percent—and an affordable payment schedule to pay of the remaining balance.

Credit counseling is not the preferred method of debt settlement, but in some cases it may be necessary. Credit counseling involves a third party negotiator that will negotiate on your behalf with your creditors. Even though we have a good reputation within the industry, there may still be creditors who will refuse to talk with us. Credit counseling does reflect negatively on your credit rating, so we will do all we can to prevent needing a third party.

Bankruptcy unfortunately, may still happen for some clients. For some clients it is the only way to settle their particular financial situation. Others may work through our debt relief plan and in the future discover that they are facing bankruptcy. As with the case of credit counseling, we will do our best to help you avoid that situation, but we can not guarantee that it will never happen to you.