DS Financial Services (877) 322-6810
Consumer & Business Debt Settlement

Settle High Balance and Long Overdue Debt

High balances may actually result in obtaining a larger discount on your debt.
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When it becomes truly apparent a person is unable to repay borrowed money the lending institution changes gears. It is now wanting to recover some of the balance due rather than none. After all they are publicly traded companies and need to show as much profit to their shareholders as possible.

Settling a debt for 25-40% of the amount due can be an effective way for you to avoid bankruptcy court, and for the hospital, bank or credit card company to recover some of their money. That way, both parties can then begin to rebuild the damage done to their financial bottom line.

Our company, DS Financial Services at SettleBankDebt.com, offers you an aggressive approach to resolve your debts once and for all. No more late night phone calls, no more haggling with creditors. We work hand-in-hand with you to quickly put your long overdue debts behind you. Our years of experience and innovative methods will give you the peace of mind necessary to swiftly and easily turn your financial life around. Our program works for people with small or large amounts of debt. The program's goal is to find the optimal debt relief solution to significantly lower your debts. We deal with your creditors once and for all, and get you back on the road to financial freedom.We have helped thousands of people like you free themselves from credit card debt, student debt, medical debt and collection accounts. Our past clients now have a new refreshed lease on life – choose to be one of them.

No matter how much you owe isn't it worth the call to us to discover a realistic sum you can afford to pay. It may be the miracle you were hoping for.

Did you know this about controlling your personal debt ? Learn how to control your personal debt and accomplish your financial goals, by making your personal debt work for you.

1. *Americans are loaded with credit-card debt.

The average American household with at least one credit card has nearly $15,950 in credit-card debt (in 2012), according to CreditCards.com, and the average interest rate runs in the mid- to high teens at any given time.

2. Some debt is good.

Borrowing for a home or college usually makes good sense. Just make sure you don't borrow more than you can afford to pay back, and shop around for the best rates.

3. Some debt is bad.

Don't use a credit card to pay for things you consume quickly, such as meals and vacations, if you can't afford to pay off your monthly bill in full in a month or two. There's no faster way to fall into debt. Instead, put aside some cash each month for these items so you can pay the bill in full. If there's something you really want, but it's expensive, save for it over a period of weeks or months before charging it so that you can pay the balance when it's due and avoid interest charges.

4. Get a handle on your spending.

Most people spend thousands of dollars without much thought to what they're buying. Write down everything you spend for a month, cut back on things you don't need, and start saving the money left over or use it to reduce your debt more quickly.

5. Pay off your highest-rate debts first.

The key to getting out of debt efficiently is first to pay down the balances of loans or credit cards that charge the most interest while paying at least the minimum due on all your other debt. Once the high-interest debt is paid down, tackle the next highest, and so on.

6. Don't fall into the minimum trap.

If you just pay the minimum due on credit-card bills, you'll barely cover the interest you owe, to say nothing of the principal. It will take you years to pay off your balance, and potentially you'll end up spending thousands of dollars more than the original amount you charged.

7. Watch where you borrow.

It may be convenient to borrow against your home or your 401(k) to pay off debt, but it can be dangerous. You could lose your home or fall short of your investing goals at retirement.

8. Expect the unexpected.

Build a cash cushion worth three months to six months of living expenses in case of an emergency. If you don't have an emergency fund, a broken furnace or damaged car can seriously upset your finances.

9. Don't be so quick to pay down your mortgage.

Don't pour all your cash into paying off a mortgage if you have other debt. Mortgages tend to have lower interest rates than other debt, and you may deduct the interest you pay on the first $1 million of a mortgage loan. (If your mortgage has a high rate and you want to lower your monthly payments, consider refinancing.)

10. Get help as soon as you need it.

If you have more debt than you can manage, get help before your debt breaks your back. There are reputable debt counseling agencies that may be able to consolidate your debt and assist you in better managing your finances. But there are also a lot of disreputable agencies out there. from CNN Money

The Average American household ...


with at least one credit card

has nearly $15,950 in credit-card debt


Learn how to manage your personal debt ~ tips*

Phone us TODAY to manage your
overwhelming debt

877-322-6810

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