Hello-

After having settled $43,250 for only $13,054 on my own, I can categorically state that debt settlement does work.

It’s no secret that people are hurting financially these days.

That’s why you see so many commercials these days offering debt relief services to help you reduce and eliminate your credit card debts and get your life back.

The credit card companies want you to do everything you can to keep paying them without knowing about hardship programs like debt settlement that can relieve you of your many financial burdens.

But when you cannot afford to keep up with your monthly bills or an unexpected medical bill or job loss comes around, you do not have to resort to filing bankruptcy.

In my situation, it only took one month for everything to come crashing down.

Everything was running along smoothly, all the bills were getting paid and everyone was happy.

Then I got a bill in the mail I was not expecting, an unpaid hospital bill from my daughter’s hand surgery several months prior.

Then my student loans came out of deferment after 2 years. So that added another $200 a month to my monthly bills.

Then I found out I owed over $8,000 to the IRS. So that added another $250 a month to my monthly bills.

So that was another $500 a month in new bills that I could not afford to pay anymore along with all the other credit card bills, life insurance, car insurance, renters insurance, rent, and car loan.

For the first time in over 7 years, I missed a credit card payment.

And boy did the phone calls start.

At one time, I had over 20 missed calls on my phone before noon.

It wasn’t until I was several months behind that I learned about debt settlement and how I could negotiate with my creditors to pay a reduced amount and get the entire balance wiped out.

The debt settlement companies that I learned about promised 40-60% reductions in my credit card balances over a 36 to 48 month period.

What I discovered on my own that negotiating with the credit card companies on my own, I could have my entire balances reduced by 65 – 75% and totally eliminated in less than 6 months.

You can do it yourself debt settlement and talk and negotiate with your creditors and save all the fees the debt settlement companies want to charge you.

You can also minimize your chances of getting sued by working with one of those debt settlement companies you see on TV.

Yes, debt negotiation and debt settlement really work.

You can reduce your balances on your own.

It is not a scam.

There are several home study courses and books that will teach you all you need to know about settling your own credit card debt.

Trust me I bought and read them all. I learned as much as I could so I could save the most money. Spending a couple hundred dollars on how to settle your debt books was worth it when I finally saved over $30,000 on my credit card debts.

And I got out of the financial crisis I was in.

If you find yourself struggling to keep up with your monthly payments, if you are going through a financial crisis due to an unexpected job loss, reduction in income, unexpected medical or hospital bill, then debt settlement may work for you.

The course you want to check out is called Zipdebt. In there I got the most comprehensive information about how to settle my debts, how to deal with the taxes on the cancelled debt, how to deal with the debt collection calls, how to get the best settlement, and how to not get sued by my creditors.

I encourage you to check it out if you need to get out of credit card debt that you can no longer afford to pay.

It may be one of the best things you ever do to improve your finances.

Thank you for reading my story and I wish you the best.

-Adam