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Debt Negotiation versus Debt Management - Which Is Right for You?

What is the Truth About Debt Settlement?

 

 

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When you're struggling with debt and looking for professional help, you have four options: credit counseling, debt negotiation, debt management, or debt consolidation. While credit counseling and debt consolidation are both pretty straightforward services, many people have trouble understanding the difference between debt negotiation and debt management. This article compares the two services, and it will help you to determine which service is right for you. First, ask yourself these questions:  

 

 

Does My Problem Stem From An Inability To Afford My Debt Payments?

 

If you answered yes to this question, debt negotiation is probably the choice  

for you. Debt negotiation services call your creditors on your behalf and negotiate lower payments. You keep control of sending out your payments each month, but your debt negotiation company will negotiate payments with your creditors that you can afford. Additionally, if your reasons for being unable to afford your debt payments stem from a circumstance that is not beyond your control, credit counseling is usually available.  

 

 

 

Does My Problem Stem From An Inability To Both Afford and Manage My Debt

Payments?

 

If you answered yes to this question, then you're probably in need of the services of a debt management company. In addition to negotiating lower payments with your creditors, debt management companies will distribute your payments to your creditors on your behalf. You simply send them one combined monthly payment. If you have trouble remembering to pay your bills on time every month, your credit will greatly benefit from the services of a company that ensures timely payments.  

  

  Debt management differs from debt consolidation in that debt consolidation is a loan that consolidates all of your debts, and debt management is just a service that calculates the balance of all of your payments and combines them for you. With debt management, you still hold all of your original credit accounts.  

  

  The most important part of seeking professional debt services is getting counseling in order to prevent future debt problems. Any professional debt service should also provide counseling in order to teach you how to stay out of debt once their services have ceased. Debt services are not meant to be a way for you to escape your financial responsibilities; rather, they are a way for you to educate yourself on responsible handling of your credit and 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).

 

By Carrie Reeder

 

To see a list of recommended companies that will help you

get out of debt or

for debt relief

services,

visit ABC Loan Guide.

 

Article Source: http://EzineArticles.com/?expert=Carrie_Reeder

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"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)

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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)
(B.D. Nurse)

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