Welcome To PayingPaul.Com - The Online Resource Dedicated To Helping You Pay Off Debt Without "Robbing Peter." How we provide debt help:
-Match our visitors with the best debt management companies to help you get out of credit card debt fast, cheap, and without a loan. These debt services can in some cases give you the peace of mind of one low monthly payment, reduce your individual credit card debt by as much as 40-60% and help you get out of debt in 12-30 months---all while avoiding bankruptcy! Fill out a form to become debt free today!
-Provide useful information about how to reduce debt on all your unsecured bills. Perhaps you are the type of person who prefers to help yourself get out & rid of debt. Get information on the latest self-help debt plans and debt diets at PayingPaul.Com. You can even ask an expert for debt tips by submitting a question here.
-Present objective articles about all your credit & debt solutions, as well as reports and debt reviews about the credit card management & negotiation firms who provide them.
-Offer help on how to deal with debt & credit collection accounts, repossessions, charge offs, and any other past due or delinquent debt. Get debt relief from your creditors!
-Plagued by missed payments for medical bills or over the credit limit charges for credit cards? Get debt advice to determine what debt management program is appropriate given your specific problem.
-Did you speak with someone at a Christian debt company and want to learn more about potential credit & debt frauds, scams, & rip offs? PayingPaul.Com has articles to help you along in the process.
Consolidate Debt…..Without A Loan
Unfortunately, many consumers only seek debt help services until their payments have fallen behind, their account has moved into “charge off” status, or any other condition associated with being past due or delinquent on your credit card bills. Worse yet, far too many consumers who are jeopardy of falling behind and need help paying their unsecured debt turn to personal loans as a solution to their problems. Studies show that many consumers who take out loans to solve their debt problems find themselves in a similar predicament several years down the road---the only difference is they are buried further in debt & repayment is more difficult, and since they are so overextended, bankruptcy alternatives are no longer available. Others find their mortgages being foreclosed because they consolidated their debt with equity from their home. As we all know, “Robbing Peter To Pay Paul” is a risky and quite often an expensive way to get help with debt.
Get Out Of Debt…Without A Balance Transfer
This being the case, the overall purpose of this website is to educate consumers about the importance of debt elimination without further borrowing & to provide help in matching people with pre-qualified providers of credit card debt assistance programs. These financial debt management agencies specialize in helping consumers reduce debt by as much as 50 percent. By reducing the overall balance owed, clients are able to lower payments and pay off debt in as little as 12 to 30 months!
Debt Management…Without Putting Your Home At Risk
Most consumers online have very little information about what debt options are even available, let alone which ones will help given their personal debt problem. In general, there are two debt help services available to consumers that do not require either filing bankruptcy or credit card consolidation with a loan. Those two options are credit & debt counseling and debt settlement & negotiation. In general, debt management through negotiation or settlement is able to reduce payments and debt in a much more dramatic fashion, while non profit debt counseling can help to lower interest rates as well as consolidate credit card payments. Of the two types of unsecured debt management, credit card settlement programs help to get people like me and you out of debt much faster than counseling plans. However, debt settlement is a much riskier approach with several different disadvantages that should be disclosed prior to ever using this type of service, particularly that it will have a negative credit effect.
Debt Services…Without A Credit Check
Another advantage of using third-party debt services to pay off credit card accounts lies in the fact that everyone qualifies, regardless of whether they have bad credit. Getting debt help through a personal or unsecured loan, on the other hand, necessitates the use of credit checks, so approval oftentimes can be difficult and time consuming. Even if you are approved, the interest rates and minimum monthly payments can be so high the loan will be unmanageable.
Reduce Debt…Without Filing Personal Bankruptcy
Since many people seeking loans for debt help are being charged late fees, owe high credit card balances or hospital bills, or have old debt on their credit report, obtaining a loan at favorable rates is next to impossible, and unfortunately, with high interest rates, the path to reducing high debt is an even more difficult one. Overextended with consumer debt, far too many debtors panic and file personal bankruptcy to solve their debt problems. In this situation, seeking bankruptcy help for your unpaid debt makes very little sense. After all, why would someone knowingly accept 7-10 years of poor credit by filing bankruptcy? Making matters worse, new bankruptcy laws make declaring even more difficult, asset protection & exemptions less favorable, and the financial consequences suffered after bankruptcy more severe, particularly for Chapter 7 (the credit effects of filing Chapter 13 were diminished, however).
Help With Bad Debt…Without Taking On More Credit Card Debt
Many people fall into bad debt because of a financial hardship and are only reminded of their financial responsibilities when they receive a debt letter from a collector or a communication from a creditor threatening to “write off” the balance. Although this situation is never ideal, there is one important advantage: since the debt has been considered bad for so long, the creditor will likely at least partly forgive the debt or loan’s balance in hopes of collecting something instead of nothing. This will take negotiating, patience and nerves, so if you’re not up to the task, you can always fill out a form to have a professional cut your debt for you.
Feel free to browse around the site for more information about what debt resolution service is best for you. If you prefer to speak with a debt professional, please fill out a form and get matched with a debt company who can help you avoid bankruptcy. You will be contacted within the next 24 hours.
(Note: the above or anything on this website is not to be considered legal, tax, or financial advice. For this type of advice, please contact a debt lawyer licensed in your state or other professional licensed in these areas.)