Debt Consolidation Credit Card Debt Relief: Best Options For Now

Dec. 26, 2013 - PRLog -- Debt consolidation and credit card debt relief programs continue to offer powerful help with debt in 2013 and ahead in 2014. But how to get started? Read on. With the way the economy is going, its no surprise that a lot people are looking for a little consumer credit card debt relief. The sad truth is, a lot of people have literally been living off of their credit cards, and as the economy continues to decline, many more people will find themselves in a situation where they'll need to use their credit card for everyday expenses.

So, what is the best way to finally get some consumer credit card debt relief then?

The best method is debt negotiation. That sounds easy enough. right? Not exactly. First of all, the collectors won't usually negotiate anything meaningful with you by yourself. They are not trained for that and their mind is only interested in one thing - Collecting the money that you owe. Most times, asking for a payment arrangement is a slow and agonizing process, much like pulling teeth and unless you don't mind being talked to like your a piece of trash I'd advise against it.

Get Started With Credit Card Debt Relief:

http://www.nationaldebtreliefprogram.org

What most people don't know is that almost all credit card companies have departments within them that are specifically set up for negotiating past due accounts! That's the good part. The bad part is that you as the customer will most likely never get to talk to them. Which is why having some sort of third party involved is very important.

There are a ton of third party organizations out there, many of which are non-profit, that specialize in dealing with creditors to get you some consumer credit card debt relief. In almost all cases, they charge you absolutely no cash upfront, but of course some do charge a very small monthly fee to "maintain" your account and deal with your creditors on your behalf. Basically, they act as the middleman between you and those darn collectors.

In most cases they're able to lower interest rates, significantly reduce payments, and even knock off a lot of what you owe! If your asking yourself how this is possible, I'll let you in on a little secret. Credit card companies are much more likely to agree to a concession with these third party organizations because as I said they're non-profit. Therefore any "break" that they give you pretty much results in some sort of tax write off for them. However, if they deal with you directly, they're just losing money. See how that works?

As you can see, if you're looking for consumer credit card debt relief, letting a third party organization have a crack at it offers the most benefit. All in all, you have nothing to lose and everything to gain. So, if your in a rough situation financially and your credit score starts to take a dive, the smartest thing to do is seek out an organization that specializes in negotiating credit card companies.

National Debt Relief Program offers a free debt analysis which can be taken advantage of at their website:

http://nationaldebtreliefprogram.org/ (http://www.nationaldebtreliefprogram.org/)