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debt-analysis

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What is Debt Relief?

Debt Relief
It is important to Superior Debt Relief that you are actually in need of debt relief. This means that if you are not overextended and can pay back the balance without help, then Superior Debt Relief is probably not the best option for you. The majority of our clients are in need of relief due to financial or other life hardships. Hardship is broadly defined, and it deals with a variety of financially disastrous events ranging from divorce and job loss, to injury and crushing medical bills. Hardship also includes anything that may have caused a consumer to accumulate high credit card balances without the ability to pay them back. By specifying who qualifies for our program, we are actually able to save our clients much more money.

Debt Settlement
Debt settlement is a service where we negotiate with your creditors on your behalf, in efforts to secure an agreement where you pay a lump sum to pay off less than the full amount that you owe. This is also known as debt negotiation. When creditors agree to this, the debt is completely satisfied at a smaller amount than was originally owed. The creditor will also report to the credit bureaus that the debt is no longer owed. For example, a client who has $20,000 of credit card debt and successfully completes the program can end up paying up to 40-60% less than the original balance. It’s important to take into consideration that by making only the minimum payment it will take years to pay off the original balance, while the original balance may be paid off several times in interest alone. By opting for the negotiation route, a client facing job loss, medical issues, divorce, or other hardships may save thousands of dollars.

Debt Reduction
By successfully participating with Superior Debt Relief, clients have access to a more effective means of reducing debt outside of bankruptcy. This is a great option for those who qualify. Only unsecured debts are eligible to be put into the program. Common unsecured debts are credit cards, collections accounts, department store cards, balances left over from repossessions, and medical bills.

Bankruptcy
The majority of our clients seek our services as an alternative to bankruptcy. We structure our program so that clients are able to make one, affordable monthly payment into the program while potentially avoiding the harsh consequences of filing bankruptcy. The effects of bankruptcy are disastrous. Bankruptcy not only stays on your credit for up to 10 years, but it also stays in legal records for up to 20 years. Bankruptcy can haunt you even 15 years after filing, costing you dearly on job and on loan applications. This is emotionally draining, and it is more logical for some consumers to seek another solution.

Bankruptcy Alternative
Superior Debt Relief offers a top-notch bankruptcy alternative for consumers who are buried under excessive debt. Most often, Superior Debt Relief offers the lowest monthly program payment, the shortest timeline, and the least total cost of any alternative to bankruptcy. We are unique in that we also offer a money back guarantee on our service fees.

Debt Negotiation
Superior Debt Services is confident of its ability to alleviate the overwhelming burden of many consumers. Yet, we also understand that negotiation is not the best option for everyone. Please give us a call to see if you qualify and to find out whether or not this program is for you. If you aren’t eligible or our program isn’t a best fit, we’ll do our best to refer to you an affiliate that can better service your needs.

-Anyone considering bankruptcy should speak with a bankruptcy attorney licensed in their state.

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