Debt Settlement
--Donaldson Williams, Inc.
Offering an Honest and Ethical Solution to EliminateYour Debt
 

Debt Settlement and Your Credit Rating

What is the Truth About Debt Settlement?

 

 

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Charge-Off - What Does It Mean and What Should You Do About It?
Is Debt Negotiation the Right Choice For You?
Debt Negotiation - What the "Experts" Don't Tell You


 

If you’re considering debt settlement due to the fact that your monthly credit card payments are out of control you may be asking yourself how your credit score will be affected as a result of debt settlement. Rather than being concerned with your credit score, however, you may want to consider the seriousness of your current financial situation and re-prioritize. You see, if you’re losing sleep and can’t seem to shake the nervous feeling in the pit of your stomach due to the fact that you’re barely making it through each month, your concerns may be better directed toward finding a solution than attempting to hold on to an acceptable credit score.

 

Realistically speaking, if you’ve sacrificed, struggled and robbed Peter to pay Paul each month just to keep a decent credit score, has it been worth it? Probably not. If you should happen to enter a debt settlement program and the result is a temporary less-than-perfect credit score I seriously doubt that you’ll lie awake at night giving this a great deal of thought. Those sleepless nights will likely be a thing of the past once your credit card debt is once again manageable.

 

As a matter of fact, your credit score may not even be affected as a result of debt settlement, depending on the current status of your various credit card accounts. If you’ve made a few late payments already, and if your credit card balances are quite high or “maxed out,” your credit rating may already be somewhat reduced. In any case, negotiating reduced settlement agreements with your creditors will result in your accounts reflecting zero balances, which will assuredly increase your credit score in time, and save you thousands of dollars – providing you with a debt-free lifestyle within two years – and very possibly much sooner.

 

Making the decision to attempt debt settlement is difficult, but can bring much relief. Once you’ve made the decision to do so, it’s extremely important to hire a debt settlement company you trust. Use your common sense, and if something just doesn’t seem “right” when you’re speaking with a debt settlement professional, do not allow yourself to be forced into hiring that particular firm. It may be easier said than done, but you’ll want to be sure to hire a firm whose Better Business Bureau record is spotless, and whose fees are not outrageous and taken up front. Customer service should also be a number one priority; your money is very relevant and you’ll want assurance that your questions and concerns will be answered promptly and professionally.

 

What’s most important when making the decision to settle your debt is making the decision based on what’s most important to you. If you’re willing to forego a good credit rating temporarily in exchange for a debt-free lifestyle and sleep-filled nights, debt settlement is definitely an option you may want to consider.

 

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).

Debt Settlement

 

 

 

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Debt Settlement

"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)
(B.D. Nurse)

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