Credit Card Debt Consolidation

Credit card debt consolidation and credit card debt settlement are ways to expertly, professionally and ethically assist YOU, our valued client, to live a debt-free life!

Superior Debt Relief's credit card debt negotiation program may be the fastest and most convenient strategy to help you achieve financial freedom and a debt-free life. With Superior, you can expect to be debt-free in as little as 6-36 months using our credit card debt settlement program, depending on your individual circumstances.

Learn more about what benefits you can expect from this debt settlement strategy.

ü What is the difference between debt settlement and debt consolidation?
Consolidation or credit counseling is a program where you send funds to the consolidation company each month, and they submit a portion of these funds to your creditors. They will communicate with the creditors and try to get them to lower or suspend the interest. The problem with credit counseling is that you are paying 100% of the balance plus interest, plus a monthly fee to the consolidation company. A typical program will be 60 months or more because the payments are high. The worst part is the fact that they do not distribute those funds to your creditors based on when you were due. You may be delinquent on your accounts for the entire time you are in the program, which makes your debt amount higher instead of lower. When you are finished it is mandatory that a TPA be placed on your credit record for seven years, just like a bankruptcy. TPA stands for Third Party Administered, which basically tells potential creditors that you were so disorganized that you had to hire a company to make your payments for you.

With our debt settlement program there is no requirement that any mark is entered into your credit record. This allows us to restore your credit after the program is complete. Debt consolidation services usually work for your creditors, earning a percentage of what you pay to your creditors. In most cases, you will be expected to pay 100% of your debt, plus interest, by making smaller payments over a longer time period. Because debt consolidation companies make their money by earning a percentage of the amount you pay your creditors, their incentive is to get you to pay 100% of your debt, rather than to try a debt settlement strategy with your creditors. There is no better source for credit card debt consolidation.