Donaldson Williams Credit
Services
Offering
An Honorable Alternative To
Bankruptcy
Credit Card Debt Settlement
It has become a regular practice of credit card issuers to prey on consumers who are most vulnerable. For instance, my own son receives 3-5 credit card offers each day. Guess what – he’s a full-time college student with little or no income. Is he vulnerable? Sure he is – just like all of the other college students receiving these offers. College students are notorious for being broke, and the credit card companies making these offers know this. As a result, many young adults find themselves deep in debt long before they’ve even had the chance to receive their diplomas.
College students aren’t the only people to fall victim to creditors who seek out those who are most vulnerable. Many credit card issuers extend invitations to individuals whose credit scores are much less than perfect. This is because creditors can charge outrageous interest rates and fees to those who are desperate, thus earning astronomical profits. As a matter of fact, in 2006 credit card issuers earned more than $90 billion in interest alone. Wait – it gets better; in addition to profits earned from interest, credit card companies also earned more than $50 billion from the fees they charged.
Chances are you may be a victim of such credit offers. If so, you’ve probably realized that your debt is out of control, and you can no longer meet your monthly financial obligations. Fortunately, there are options and solutions to assist you in becoming debt free.
If you’re reluctant to file bankruptcy, debt settlement may be an option worth looking into. Debt settlement is for people who are on the brink of bankruptcy, and find that they have very little choice due to the fact that they simply can’t go another month wondering how they’ll pay all of their bills.
You see, debt settlement is a process that allows you to “settle” your debts with your creditors for less than the full balance (usually 50% or less), and has been the solution for many people who otherwise would have had no choice but to file for bankruptcy.
If you want to avoid bankruptcy because you don’t want your financial difficulties to be made a matter of public record, and you want to avoid a bankruptcy filing from appearing on your credit report for the next 7-10 years, debt settlement may be the right solution for you.
Prior to deciding to enroll in a debt settlement program, however, do your homework. Be sure that you’re a good candidate for debt settlement, and that you’re well aware of the entire process – from beginning to end. If you should decide to hire a company to assist you in negotiating with your creditors it’s important to hire a company you trust and with whom you feel comfortable. If you speak with a representative of a debt settlement firm who seems more interested in taking your money than helping you resolve your finances, move on. I wish you all the best in your endeavor to become free of debt.
If you should have any questions, or need assistance, feel free to contact us. For a free consultation, click here. Remember, Donaldson Williams, Inc. charges absolutely no monthly fee and no set-up costs because we work on a contengency basis, and you don't pay a fee for our services until after a satisfactory settlement has been reached with your creditor(s). |
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Providing
Customer Service
you Can Rely On
"I'm not sure how you
work your magic, but thank you for everything you have done.
I would highly recommend your company."
(C.C.
Attorney)
"Marie, we can't thank
you enough for everything you have done for us. We
had a
lot of question
throughout this entire process and you have been so patient and
understanding. We never felt alone because we always knew we
could call or send an email and you would get right back to us.
Excellent customer service and an incredible end result. We
really do appreciate it!"
C.E.H (Insurance
Adjuster)
"Again I find myself in awe of how you have
been able to help. Thank you."
G.B.
(Educator)
"Outstanding! Thank you for investing the time
and attention to get this
outcome- we truly appreciate your
help and kindness."
M.M. (Regional
Manager)
"I appreciate all you have done for us. I
would recommend your company in a heart beat to
anyone that has been experiencing
problems such as our own."
J.M. (Q.I.
Supervisor)
“Thanks so much for all you did for us. If we hadn’t found Donaldson Williams we would have surely filed for bankruptcy. You were straightforward from the beginning and we ended up with better results than we thought possible. Every one of our phone calls was returned and your professionalism proved to be unmatched. Again, thanks for saving us over $30,000 and helping us avoid bankruptcy.”
(E.Z. Carpenter)
“Hi…I just wanted to drop you a line to let you know that we appreciate all you did for us during the worst financial crisis we’ve ever faced. I’m so glad we found you and decided to hire you…your dedication to helping us through a difficult time literally saved us thousands of dollars, as well as allowed us to end our financial problems with dignity and ease.”
(D.D. Communications Supervisor)
“Thank you for your help and your patience. Not only did you save us $27,000, but you were very patient with our questions and worries. You really helped to get us through a very bad financial period. Thanks again!"
(J. G. Operations Manager)
"Thanks to you I can sleep again and I can answer my phone again. You were so helpful and kind and there aren't enough words to describe my appreciation. The savings I gained through your program was something I wouldn't have thought could be achieved..."
(E. H. Teacher)
"Enclosed is a check for my final account. Thanks for all your help...it's finally over, but I wanted to let you know that we're so happy we chose your company. We started out scared to death, and here we are paying off our last account. You've been great through this whole mess, and we want you to know that we'll gladly recommend you to other people in the same situation."
(D. H. Administrative Assistant)
"Preston and I cannot thank you
enough for all your hard work (HFC-especially) in helping us
move towards debt freedom. A weight has been lifted and we are
finally free. Thanks again."
((P.G. Systems
Technician)
"Thank you
for being a caring person and having compassion and empathy
there are so few left in this crazy world. I know you will
have an abundance of blessings in your life. You have
helped us more than you'll ever know and I feel
like we were sent an angel when we met you. Truly I
know it sounds cheesy but it's the honest truth from
the bottom of my heart thank you."
(B.D. Nurse)
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