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If you’re struggling with mountains of debt, paying high interest rates or getting harassing phone calls from collection agencies, it is time to consider your debt relief options.
At Golden Financial Services, we understand that paying off your debt can be an overwhelming process and can sometimes feel like you’re not making any progress. That is why we want to provide you with all the resources and information necessary to make the best decisions regarding your financial future. Golden Financial Services has specialized in debt settlement and debt relief solutions since 2004. Helped more than 2.6 million consumers through our proven debt relief services. A+ Rating with the Better Business Bureau and zero unresolved customer complaints over the past eight years. Consultations are free and you are not obligated to anything. During your consultation you will find out what debt relief program you qualify for.
Debt Relief Programs
What type of debt can be included in a debt relief program? If you have unsecured debt you can benefit from Golden Financial Services’ debt relief programs. Unsecured debt is a loan that is not backed by an underlying asset. The most common types of unsecured debt that qualify for Debt Relief Programs at Golden Financial Services. Credit card bills Store and gas card bills Medical bills Utility bills, Unsecured personal loans. Secured debt, such as mortgages and car loans, cannot be settled in a debt relief program. Golden Financial Services Debt Relief Program Benefits: When you enroll in a debt relief program, you avoid bankruptcy by resolving your debt through consolidation, negotiation, and settlement. Bankruptcy should only be considered as a last resort option. Golden Financial Services will handle all communication with creditors so you will avoid having to deal with them on your own. This also helps you avoid unfair collection practices. Your bills will be merged into one monthly payment with consumer credit counseling and this simplifies the bill paying process and reduces the risk of delinquencies. With a debt settlement program, your debt will be settled at a significantly reduced amount than the principle. If you require a debt management program, Golden Financial Services works with only non-profit debt management companies that are “A” Plus BBB rated. With debt management consumers will benefit from lower interest rates, reduced monthly payments, and elimination of excessive fees. Schedule a free, no obligation consultation with Golden Financial Services to learn about your financial options and determine the best debt relief program to meet your needs. A highly-skilled enrollment specialist will review your case and depending on your financial situation and the amount of debt that you owe, will recommend the best debt relief programs for you. To learn more about our services and to find out what debt relief options you qualify for, including consumer credit counseling, debt validation, debt settlement solutions and debt settlement negotiation, call Golden Financial Services at 1-866-376-9846. At Golden Financial Services, we will never pressure you into a debt relief program that does not match your financial situation. Our mission is to provide you with all of the information necessary for you to fully understand the benefits and risks associated with each debt relief option. We strongly believe that an educated consumer is far less likely to find themselves back in debt and that is why we offer free consultations, videos, and other educational materials to instill the basic fundamentals of finance.
— Irvine, California
Credit Card Debt Relief Program Disclosures & Possible Negative Consequences:
During your free consultation the differences in each debt relief program will be explained in detail. It is important for consumers to understand these differences. With debt settlement services your creditors will not get paid on a monthly basis, but rather in lump sum payments at the time when settlements occur. Late fees and interest could occur, increasing your balances while enrolled on a debt negotiation or settlement program. However at the time of settlements the interest and late fees are included in the final negotiated settlement, leaving you with a zero-dollar balance once the settlement is funded. Your credit score will most likely be negatively impacted while enrolled on a debt settlement program. Debt relief programs do include fees. When settlements occur, the savings could be reported as income while enrolled on a debt settlement/negotiation program. If this occurs, past client’s would fill out the #982 IRS form to show that they are insolvent. Golden Financial Services will match you with an attorney in your state after getting approved on the debt settlement program who will provide you with lawsuit defense if your creditors decide to sue. With consumer credit counseling your creditors will get paid on a monthly basis. A consumer credit counseling program could reduce your interest rates and this allows you to get debt relief in as fast as 4-5 years. Not all states will qualify for debt relief at Golden Financial Services. Ask about state restrictions when calling 1-866-376-9846.