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Recent Testimonials

“PCADebtSolutions.com has been a lifesaver. They were able to reduce my debt by over 50%. When I first joined, I had so much debt it was overwhelming, and now I have a clear conscious and a clean slate. I can finally rest easy knowing that debt collectors will not be calling me all the time. Thank you so much PCADebtSolutions.com, you guys are awesome!”
Roxy, Seattle, WA
“Thanks to PCADebtSolutions.com I was debt free in 24 months! I had over $40,000 in debt, and they were able to settle it for half the amount. I could not believe that they were able to get my debt reduced by so much and that it all happened so quickly. I am very happy that I chose PCADebtSolutions.com; I will be recommending them to all my friends and family!”
Steve, Asheville, NC
“I just graduated college and had a ton of credit card debt from paying tuition, for books and housing. Obviously there is a lot of stress as a new graduate entering the work force, and that stress became worse when the creditors began calling non-stop. I started to feel harassed and panicked. Luckily, I found PCADebtSolutions.com and they were able to get the phone calls to stop almost immediately! I now feel less stress and like I am back on track and can focus on my goals.”
Katie, Santa Monica, CA
“I was hiding from my debt for years. I was always avoiding the telephone, having to screen all my calls in fear that it would be a creditor. It got so bad, that I was about to get my wages garnished. But thanks to PCADebtSolutions.com I was able to avoid that. After my first phone call with one of their specialist, I felt like there was a clear plan to get my debt settled. I was able to settle my debt at 50% and never had my wages garnished thanks to PCADebtSolutions.com.”
Craig, Portland, OR
“My experience with PCADebtSolutions.com has been amazing to say the least. They saved me from bankruptcy. I was so close to loosing everything, but after my consultation they gave me hope. And now, I am debt free and back to building my credit and repairing my finances. They are so knowledgeable and supportive, I never felt like I was alone through the process. My questions were always answered quickly and with patience. PCADebtSolutions.com are definitely steps above the rest!”
Debbie, Jackson, WY
“I was drowning in debt and started to feel like I would never be free of it until I found PCADebtSolutions.com. They did a debt analysis for me, created a plan for me to pay back my debt and now I am debt free! I wish I had found them sooner. I finally feel free and I can start to build my financial future again!”
Scott, Boston, MA
“Wow! If I had known debt settlement could have been this easy I would have done it years ago. Part of my resistance in the past was the fear that debt repair would be a long, drawn out and painful process. But PCADebtSolutions.com helped get it all done quickly and efficiently. They gave me personal attention I needed, I felt like they really cared about me and wanted to help. I settled all my debt at half the amount and couldn’t be happier. Thanks again!”
Brian, Las Vegas, NV
"My experience with PerfectCreditAgain.com has been a blessing to say the least. When the economy took a down turn, I lost my job and fell behind on my bills. PerfectCreditAgain.com gave me the tools, the persistence, and understanding to get me back in position to start my life again. It can be difficult to get yourself out from under bad credit, but PerfectCreditAgain.com helped me understand my credit report and gave me the personal attention I needed to begin to fix my credit."
Betty, Boston, MA
"I found PerfectCreditAgain.com through my Corporate Perks program at work. From what I read on their website, the thing that sets PerfectCreditRepar.com apart from other credit repair services is their personal and one-on-one attention. I am pleased to say that was so true, and that personal attention helped me improve my credit score and have hope for the future again.”
Janet, Dallas, TX
"I could have never closed on my home without PerfectCreditAgain.com. I was continuously denied for a home loan and never understood why. After I obtained my credit report, I was shocked to see that my credit was so poor. But PerfectCreditAgain.com helped me understand what I could do to fix this, some of these things were quick fixes and others more long term. But either way I now know what I need to do to get back on track and now own a home.”
Larry, Tulsa, OK
"PerfectCreditAgain.com was much better than any credit restoration programs that I have used in the past. Unlike other credit repair companies, they were worth every penny. I found them patient, effective and knowledgeable. My score is now up more than 100 points and I was able to get a car loan with very little money down.”
Damien, Chicago, IL
"I am very thankful for PerefctCreditRepair.com. You guys have done an awesome job with helping me understand and improve my credit report. I loved having 24/7 access to my credit information through the portal and to all the educational material. I truly feel like I have all the tools and knowledge to never be a client again. You guys rock!”
Carlos, Los Angeles, CA
"PerfectCreditAgain.com has really improved my credit score and I could never have done this by myself. They are not a waste of time or money like other companies, and they get results! I am a single parent, and I used to lay awake at night worrying if I would ever be able to help my daughter get a college loan or save for my retirement. But thanks to PerfectCreditAgain.com my credit is up and I just co-signed for my daughters loan last week. I am about to start my retirement account and can finally sleep at night. Thanks PerfectCreditAgain.com!"
Amelia, Denver, CO
"I am a mortgage broker and recommend PerfectCreditAgain.com to all my clients. They have the knowledge, experience and professionalism that I know I can trust sending my clients to. I have had so many clients come back with success stories and finally able to get the home loans they have always wanted. PerectCreditAgain.com doesn’t only help people gain financial freedom, they help dreams come true and I can not recommend them enough."
Melodie, Portland, OR
"PerfectCreditAgain.com is amazing! After working with them I saw my credit score go up drastically. I was finally able to get an apartment without putting a ton of money down. It all started with the free 10 minute consult, and I am so happy that I took a chance and did it. 10 minutes of my day ended up changing my life. Thanks again PerfectCreditAgain.com, you guys are the best!"
Jimmy, Seattle, WA
"Wanted to thank PerefctCreditAgain.com for helping me repair my credit. Easy start up and constant updates through their 24-hour portal allowed me to stop worrying if it was going to get this process completed. Any questions I had, big or small, they answered with patience. They also have a Help Desk, which made asking questions so easy. I felt like I was talking to a friend who truly cared about my future. And now, thanks to PerfectCreditAgain.com, I have a better future!"
Shawna, Phoenix, AZ
"My credit was a dark cloud hanging over me for years. I was always worried about my financial future and if I would ever been able to get things, like a home loan or a new car. But thanks to a good friend who referred me, I joined and I have never felt better. PerfectCreditAgain.com was everything my friend said they would be: knowledgeable, helpful and effective. I now feel like that cloud has been lifted and I have a bright financial future ahead of me."
Lindsay, New York, NY
"PerfectCreditAgain.com definitely works! They work very fast and efficiently, more than any other company I tried before them. Not only is my credit much better, they saved me money by getting the job done quickly. Within months of signing up, my credit score was up over 175 points and I was able to get a new car!"
Christian, Nashville, TN
"PerfectCreditAgain.com has done amazing work to help alleviate a lot of items from my credit report and they made me feel confortable and confident while doing it. From day one, I could tell that they were not reading from a script like other companies I had previously worked with. And they were always in contact with me, letting me know where I stand. PerfectCreditAgain.com definitely knows what their clients need and I can’t imagine having a better experience"
Dawn, Las Vegas, NV
"I want to say thank you to an outstanding experience I had with PerfectCreditAgain.com! I recommend this service to anyone who needs help with his or her credit report. I am super impressed by their helpfulness, they made me feel like I was more than a number and like they really cared about my future and understanding the credit repair process. I am so happy that I decided to work with them, and that I now have the credit that I always wanted.”
Andy, Orange County, CA
"My husband and I were trying to buy a home for our family, and we knew that both our credit was not so great. Even though my husband had paid off the majority of our debt, there was little change on our credit report. But thanks to PerefctCreditAgain.com, we found out what we needed to do to change that. PerfectCreditAgain.com gave us the education we needed to understand why our credit was not improving. Credit scores can be complicated, but PerfectCreditAgain.com simplified it for us. We have seen amazing improvements in our credit and now understand why. We just applied for that home loan again, and feel confident that we will get it."
Vanessa, Miami, FL
"I was introduced to PerfectAgain.com by one of my co-workers through their Refer a Friend program. From the beginning, their credit repair specialist helped me understand how credit worked. I always knew where I stood and could track my process through their portal. I loved the constant communication and never felt like I was in the dark about where I stood. After I completed the program, I was able to get a credit card, and no longer have to pay cash for everything I need.”
Cynthia, Charlotte, NC
"After joining PerfectCreditAgain.com my credit score has improved greatly. I was able to get car insurance without having to pay a full year down upfront. Finally, I can increase my saving by not having to use my cash as down payments for the basic things I need in life, like an apartment or a car. I am so happy with my results and believe in PerfectCreditAgain.com so much, that I have referred them to all of my friends and family.”
David, Brooklyn, NY
"I would like to thank the team at PerfectCreditAgain.com for helping me to restore my credit. My credit repair specialist, who saw me through everything from start to finish, walked me step by step through the process. I feel like they were in constant contact with me, and I always had access to them or my portal for questions. I can now breath easy knowing that my credit is back on track and I can prepare financially for my future."
Debra, Atlanta, GA
"I was very embarrassed about my credit, but I knew that I could not hide from it forever. Luckily, I found PerfectCreditAgain.com through my Corporate Perks program at work and I signed up. They were very sensitive and understanding that this was an emotional issue for me, and never made me feel badly about my credit. And now, thanks to them, I no longer feel embarrassed about my credit. Last week, I was able to go into a department store and fill out an application for a credit card and not worry that I would be denied."
Spencer, Cleveland, OH
"I am so happy that I went with PerfectCreditAgain.com to fix my credit. My credit scores went up over 200 points and now I got a credit card and a Personal Loan through my bank! I no longer have to pay cash for everything or have to worry that I won’t have the money saved or credit line for a rainy day.”
Janet, Park City, UT
"It was my New Years Resolution to become financially stable. My first step was to become a client of PerfectCreditAgain.com. I'm getting better results then I could have ever imagined. After years of having a stained credit report I now see a brighter future. " Patti, San Bernardino, CA
“I am in the military and was deployed to Afghanistan. Obviously, I had a lot of worries and concerns about leaving my family. The biggest one was how they would be financially without me because of our bad credit. Before leaving, I joined PerfectCreditAgain.com and by the time I returned, so had my good credit. It was a big weight off my back knowing that my family had more financial flexibility and options.”
Steve, Oceanside, CA
I wanted to say thanks for the great job that Perfect Credit again did on my behalf. Six months ago my dream of reaching my American dream was far from coming to a reality I was then referred to Perfect Credit and within one month I started to see great improvement on my score and the removal of unnecessary entry that was practically hurting my credit, not only I was qualified to get a Mortgage, my credit record has also been stabilized. Once again thank you for your service and it was well worth every penny that I spent.
Best Regards,
Ricky M, NYC
Thank you PerfectCreditAgain.com for all of your help and guidance. My credit is up to around 650 from from 450 6 months ago! I was able to buy my dream car and for a great low interest rate because of your help. I was even able to save over $75 a month on my car insurance because my scores increased so much! The service and results were awesome! Thank you for helping my 4 friends that I referred to you as well.
Christine V, Boston, MA
Thank you to Joe and the entire team at PerfectCreditAgain.com!! You made the dream of us owning our very own home a reality and we couldn’t have done it without you!! Your patience, guidance and knowledge is by far the best in the industry! We highly recommend if anyone needs their credit to be fixed to go with the best….we are sure glad that we did!
Jason and Michelle K, NYC
"Thank you sooooo much for helping me build up my credit!!! Every month is absolutely impressive on how fast your company works; my scores have gone up a ton every month!!! Going through your company has been easy, well informing, and very professional!!! Worth every penny!!! You guys Rock!!!"
Via Facebook-T.Collins
"MyMortgage4Less.com made the entire home buying process effortless for our family. We are so grateful for everything they did to get us in the right home for the right price with the right loan."
Michael O
"Having a one stop shop for all our refinancing needs was wonderful. We were able to get our credit score raised in a few short months which gave us a much lower interest rate than we could have gotten on our own. Thank You MyMortgage4Less.com"
Wendy L.
"Deciding to use a reverse mortgage option to send our grandkids to college was difficult, but MyMortgage4Less.com was there every step of the way and really made us feel comfortable with our options. We had great customer service and they answered all of our questions, they care about their clients."
Linda F.
"Thank You MyMortgage4Less.com Your team was always available and found our family the right loan and the best realtor for our budget and needs."
Steven T.
"Other companies we looked into were pushy and hard to reach. MyMortgage4Less.com took the time to listen to what we wanted and were always available to answer our calls. We felt like they truly cared about us and making sure we had everything we needed, they knew the answers before we even had to ask. Professional and highly recommended."
Justin P.
"PerfectCreditAgain.com has done a wonderful job for me. I am so happy that I finally have the credit to live my life again. Joe and his team did a great job and I will refer them to anyone."
Devin S., Phoenix, AZ
"PerfectCreditAgain.com has changed my life. I finally feel confident in my future, and feel like I now have what I need to get things I want in life. I plan on recommending this company to all my friends and family who want fast and easy credit repair."
Casey B., Sacramento, CA
"Thanks to PerfectCreditAgain.com I am homeowner now! I could never have been able to achieve my dream of owning my own home before I went through this process. Joe was a big help, along with all of the other staff. Great and efficient customer service. This was a great program for me."
Michelle C., Seattle, WA
"I achieved great results using PerfectCreditAgain.com. The process was fast and easy for me, and I got the results I wanted. Every time I have called into customer service they have always been very courteous and helpful. The company also has a great referral program, I have referred to several people that are trying to clean up their credit and were offered great incentives for doing so. Thanks so much for your help PerfectCreditAgain.com!"
Jacquie B., Portland, OR
"Thanks for the great customer service PerfectCreditAgain.com. I appreciate that the team has so much great knowledge of the process. They were there with me through every step of the process. I never felt alone or confused while in the program. Joe and his team were always there to answer any questions I ever had. What a great experience and results!"
Harrison M., Savannah, GA
"Thank you PerfectCreditAgain.com, you have been a life changer! I am so happy with my results, and look forward to a brighter future now that my credit has been cleaned up. I am recommending you to all my friends and family."
Andre K., Albuquerque, NM
"PerfectCreditAgain.com was great, the work they did on my credit helped me purchase a home. Anyone who needs credit repair should sign up for their program, it is worth every penny. The process was fast and painless. The team of credit specialists are very knowledgeable and made me feel comfortable and confident during the process. One of the best choices I ever made.
Christine J., Pittsburg, PA
"My husband and I got ourselves into major trouble a few years ago. We ruined our credit and were in tons of debt. A wonderful mortgage broker friend of ours turned us on to PerfectCreditAgain.com and we started using them. We are very pleased with the results that we've had and would recommend PerfectCreditAgain.com to anyone in the position we were in."
Barbra C., Salt Lake City, UT
"Joe was very helpful in answering all my questions. I appreciate the support that I have been receiving from PerfectCreditAgain.com. The team was wonderful and supportive. I would recommend them to anyone looking to repair their credit."
Sandy K., Brooklyn, NY
"The service with PerfectCreditAgain.com has been wonderful. I am very happy with the results I got. I will surely recommend PerfectCreditAgain.com to anyone that needs credit repair. Thanks PerfectCreditAgain.com."
Tom W., Miami, FL
"This is a great service. PerfectCreditAgain.com offers a great service. It was well worth the money."
Thalia L., Irvine, CA
“Everyone probably has doubts about joining a program like this. But let me tell you, it was worth it. I decided to take a chance on PerfectCreditAgain.com and they pulled through for me. This company has a lot of integrity and treats their clients with respect. I will always be grateful to PerectCreditAgain.com for what they have done for my credit. This service is priceless."
Holly M., Nashville, TN
"I had a great experience with PerfectcreditAgain.com. The customer service was awesome and the team was very supportive. I felt very confident that this company would help my credit, and they did! I am so happy that the weight of bad credit is off my back. I cam now move on with my life and get the things I want. Thanks again PerfectCreditAgain.com!"
Natalie J., Chicago, IL
"This company is great. The program that they provide and the customer care is really a step above the rest. Plus, I now have the credit that I always wanted. I am recommending this company to all my friends and family. Thanks PerfectCreditAgan.com!"
Hank M., Denver, CO
"We are very thankful to PerfectCreditAgain.com and we are now one step closer to purchasing the home that we have been wanting for some time now. Thanks to all the specialists who helped us out, the customer service was always great."
Laurie O., Austin, TX
"The customer service is simply excellent. The results are consistent. I am looking forward to the additional positive changes to my credit report! Thanks PerfectCreditAgain.com."
Mandy M., Scottsdale, AZ
"I just wanted to thank PerfectCreditAgain.com for helping me clean up my credit. After I completed the program I was able to get a car loan and moved into a new apartment. Two things that I was never able to do before because my credit was so bad. But now, thanks to PerfectCreditAgain.com I have the financial flexibility to get the things that I want in life."
Marcy K., Houston, TX
"I cannot begin to tell you how amazing the program at PerfectCreditAgain.com was. The process couldn't have been smoother and the results were outstanding. The specialists at PerfectCreditAgain.com were very helpful and always answered all of my questions. I could not be happier with the results and I am glad I enrolled in the program. Very professional and first class service. Thank you PerfectCreditAgain.com!"
Eddie S., Seattle, WA
"I had bad credit for a long time. I was banging my head against the wall trying to fix it myself. I was referred to PerfectCreditAgain.com and they were great helping me through the process. The specialists were great at answering any questions that I had. There is no way I could have repaired my credit without their help. Thank you PerfectCreditAgain.com for all of your hard work and great customer service."
Tim J., Portland, OR
"PerfectCreditAgain.com did a great job cleaning up my credit. Thanks to them, I was able to help my daughter get a school loan and get her a new car for graduation."
Penelope N., Phoenix, AZ
"I would just like to thank everyone at PerfectCreditAgain.com. I never thought there was even a chance at repairing my credit and now I have the ability to get loans and credit cards. Joe was a great help with everything and always answers my questions. Thanks again for all the help!!!
Donna M., Henderson, NV
"My husband and I decided it was time to own our own home, but because of some previous credit problems we were unable to get a loan for our dream home. After doing some research we came across PerfectCreditAgain.com. Within months, we were able to start thinking about applying for home loans again. I am so thankful to the kind and professional people who helped my husband and I reach our goals. I would recommend everyone who needs credit help to only trust PerfectCreditAgain.com"
Ashley H., Denver, CO
"PerfectCreditAgain.com has helped clean my credit way above my expectations. I am so happy that I signed up for their program. I now feel more confident in my financial future. A big thanks to Joe and his team, you are the best!"
Mike G., Destin, FL
"I wanted to say a big thank you to PerfectCreditAgain.com. They have done a great job restoring my credit. I recommend their services to everyone! 100% satisfaction and results!"
Clair P., Austin, TX
"PerfectCreditAgain.com has been very helpful in repairing my credit. Not to mention it was done in a timely manner. I would recommend their services to anyone. Thanks PerfectCreditAgain.com!"
Javier G., Nashville, TN
"I want to say thank you so much to Joe and his team for your great work! I can now get the loans and credit I need to move forward with my life. I will recommend PerfectCreditAgain.com to all my friends. They did a great job and I am very impressed with all that they did."
Lucy J., San Diego, CA
"I would like to thank everyone at PerefectCreditAgain.com for their hard work! I am very pleased with the support and service. I am so looking forward to getting the loans I need; I already got approved for a car loan. Thanks again!"
Hilary B., Atlanta, GA
"I would like to say good job to PerfectCreditAgain.com! I am so happy with my new credit score. That house is just around the corner. Thank you to all the specialists who were patient and worked so hard for me. Now all my dreams are just around the corner."
Kelly J., Detroit, MI
"PerfectCreditAgain.com was just what I was looking for! I was astonished to have found a company who actually cared about my situation. Thank you to Joe and his team for all the hard work you have given towards improving my credit scores. I am now more confident in my future! PerfectCreditAgain.com agents are the best!"
James H., Chicago, IL
"I am so happy I went through with this program. PerfectCreditAgain.com was the solution to my problems. I was very stressed about my financial situation before and now I have more confidence in the future. A big thanks to Joe and his team for everything they did for me. You guys are the best!"
Linda J., Boston, MA
"The specialists at PerfectCreditAgain.com are very helpful and knowledgeable. The experience was great and the results are even better. I am so happy that I went through the program, it was worth every penny!"
Farida L., Newark, NJ
"I just helped my daughter get a school loan. I finally feel like a whole person, it is amazing how bad credit can really affect your life. After not being able to help my daughter with a car loan, I now feel like real parent. I am so thankful to PerfectCreditAgain.com for helping me get my credit to a point where this was possible for me."
Greg N., Ashville, NC

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Many Americans are experiencing the financial burden of unsecured loan and credit card debt, but more and more are finding debt relief through debt resolution. Debt resolution, also known as debt negotiation, is a legal process whereby a consumer retains the services of an attorney or law firm to represent them in debt negotiation or settlement services with that individual’s creditors. This flexible debt relief option leverages the client’s income, existing debt, and financial hardships to assist the client to get out of debt in the shortest amount of time, and for the least amount of money without filing for bankruptcy. Debt resolution is an ambitious approach to debt reduction for clients experiencing the strains of too much debt and considering bankruptcy as an option.

Debt resolution can provide immediate cash constraint relief and allows the client to save money over the long term by settling the debts for less than the full amount which always includes late charges, over limit fees, and excessive interest charges.

Hypothetical Example of a Debt Negotiation Services:

  1. Credit Card # 1 Balance Owed = $8,400.00 / Negotiation = $4,200.00
  2. Charged Off Account Balance Owed = $15,000.00 / Negotiation = $7,200.00
  3. Account in Collections Balance Owed = $3,600.00 / Negotiation = $2,000.00 Total: $27,00.00 Total: $13,400.00

PCADebtSolutions.com can help clients negotiate down credit card debt and resolve financial problems that result from hardships such as unemployment, medical problems, a death in the family, or a divorce. If you have more than $10,000 in total unsecured debt (each account must be at least $750) (credit card debt, medical debt, or personal loans) and are having trouble keeping up with your minimum payments, you may qualify for our debt resolution program.

By retaining the services of PCADebtSolutions.com, our attorneys, as well as our professional debt negotiators, will facilitate debt negotiation. Our clients receive proper legal protection against the often predatory practices of debt collectors.

Why creditors settle:
Creditors are usually willing to settle the balance of debt owed if the debtor is experiencing extreme financial hardship and is seriously considering filing for bankruptcy. If the debtor chooses to file for bankruptcy, then usually the creditor would receive a severely reduced amount of the balanced owed or possibly nothing – determined by the BK Trustee – therefore, it is in the creditors benefit to find an agreement that works for both parties.

As a concept, lenders have been practicing debt resolution for thousands of years. However, the business of debt resolution became prominent in America during the late 1980s and early 1990s when bank deregulation loosened lending practices, but was followed by an economic recession which placed consumers in financial hardships.

With consumer debts increasing, banks established debt resolution departments staffed with personnel authorized to negotiate with defaulted cardholders to reduce the outstanding balances in hopes to recover funds that would otherwise be lost if the cardholder filed for Chapter 7 bankruptcy. Typical settlements ranged between 25% and 65% of the outstanding balance.

Alongside the unprecedented spike in personal debt loads, there was another rather significant and extremely under reported change – the 2005 passage of legislation that dramatically worsened the chances for average Americans to claim Chapter 7 bankruptcy protection. As things stand, anyone filing for bankruptcy that fails to meet the Internal Revenue Service regulated means test would be forced into the Chapter 13 debt restructuring plan. Essentially, Chapter 13 bankruptcy tells borrowers that they must pay back some or all of their debts to unsecured lenders. Repayments under Chapter 13 can range from 1% to 100% of the amounts owed to unsecured creditors, based on the debtor’s ability to pay. Repayment periods range from 3-5 years under court mandated budgets that follow IRS guidelines, and the penalties for failure to pay are more severe.

What our Program entails: 
Our debt resolution program involves negotiating an agreement between you and your creditors to settle your debts for less than what you owe. You maintain control of your finances throughout the debt resolution and debt negotiation process and we will be here to answer your questions along the way. Our debt help specialists will work with your creditors to settle your debt for the smallest amount possible and restore your peace of mind by:

  • Helping to negotiate down your credit card debt
  • Reducing your monthly expenses
  • Striving to alleviate creditor calls and harassment
  • Working with you as your financial situation changes
  • Enabling you to stay in control of your money throughout the debt settlement and debt negotiation process

Our program benefits everyone involved:

  • The creditors receive money from consumers who would otherwise have paid nothing if they filed for bankruptcy protection
  • The court systems are not as overloaded with collection and bankruptcy cases
  • And most importantly, Consumer Legal Center clients get the debt negotiation services they need and can enjoy the peace of mind that comes with financial freedom

Understanding Your Debt Reduction Options:
Debt resolution is one of the fastest growing debt relief options because it works. With our debt resolution services, we work to be able to bring you debt relief in as little as 2 to 3 years. Compare that to debt consolidation or debt counseling which can only reduce your interest rate usually on a five to nine year plan. Alternatively, if you continue to pay only the monthly minimum on your credit card debt, you could double your debt in finance charges and in some cases expect to be in debt for up to 30 years!

Debt resolution is a completely legal, logical, and ethical way to get out of debt. Once you are in the “debt spiral” it becomes more and more difficult to get out. Eventually your minimum monthly payments will likely be going almost entirely towards interest. At this rate, you would finally pay the account off in about 30 years having spent ten times or more what you initially borrowed. We understand your predicament and the credit card companies have been counting on and profiting from it for years. Debt resolution can end the 30 year cycle and potentially cut it down to 3 years or less.

There are some drawbacks though. The IRS considers a forgiven debt as taxable income, so at the end of the year, they will expect you to pay taxes on the settlement. The IRS, however, has a form (#982) available for special hardships. Debt resolution can also be harmful to a debtor’s credit-rating while they are in the process of settling their debts because creditors won’t agree to settle on an account that remains current. The debtor’s credit report will reflect that they are behind in payments until the debts are settled.

There is life after debt resolution: 
After the debt is settled, the creditor will send a letter stating that you have fulfilled your debt obligation and will report to the credit bureaus that the debt has been “Settled for less than full amount”, “Paid” or “Settled”.

With Debt resolution, you get to move on with your life and rebuild. You don’t have the stress associated with rude collectors threatening you. You’ll immediately have peace of mind to start living vs. worrying and losing sleep! PCADebtSolutions.com’s debt resolution program can help eliminate your credit card debt faster and for less money. You can explore whether debt resolution is the right debt relief option for you with no obligation.

If you are ready to pursue the debt relief you deserve and learn more about what debt resolution can do for you, call 1-866-PCA-9651 and a PCADebtSolutions.com debt consultant will contact you to review your situation, explain our debt resolution program and answer your questions. The consultation is free and there is no obligation. You may be able to improve your monthly cash flow and negotiate down your credit card debt once and for all through debt resolution. Call today for more information!

5 Ways to pay off debt
There are 5 ways to get rid of debt and lead a stress-free life. But what’s important is that you choose the one that works for you.

1. Interest rate arbitration: This is where you choose an independent third party to negotiate low interest rates with your creditors. So, you can consolidate multiple bills with one low monthly payment. This is also known as loan consolidation.
The benefits are:

  • Pay less each month
  • One monthly payment instead of many
  • Credit score improves

2. Debt management: This is where you work with a debt solutions company to help you pay off your debts and create a budget. 
The benefits are:

  • Interest is reduced
  • Late fees may be waived off
  • Manage multiple bills with ease

3. Debt settlement: This is where you have a settlement company/law firm working with your creditors to lower your payoff amount by 40-60%. With settlement, you have 2 major benefits:

  • Creditors reduce interest
  • They cut your principal balance

4. Chapter 13 bankruptcy: Chapter 13 is a court monitored debt repayment plan.

The benefits are:

  • Creditors reduce interest on your debt
  • They trim the principal debt balance
  • You don’t use your assets to pay off debt

5. Chapter 7 bankruptcy: This is where you hand over your assets to a court-appointed trustee who sells them off and uses the sale proceeds to pay off your debts. With Chapter 7 bankruptcy, you get the following benefits:

  • Interest on your debt is lowered
  • Principal balance is reduced

However, your credit score takes a hit and it’ll take quite a few years till you actually rebuild your score.