As seen on: CBS Evening News with Katie Couric
How do I get out of debt?
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What is the best way to get out of debt?
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Are there tax implications?
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Can I avoid bankruptcy?
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Should I file for bankruptcy?
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What about debt consolidation?
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What about debt elimination?
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Do I need a debt attorney?
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What about my credit?
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Will I lose my house?
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Do I need credit or debt counseling or debt settlement?
Discuss all the Options (for Free!)
(203) 458-1200
CT Residents Only
"A" Rating Since 2003
These are all good questions and each should be discussed. This is how we do business.
We discuss all the options available to consumers and help you figure out what is best for your particular situation.
Everyone is different and has different needs. If what we do is the best option for you, great. If there is a better method for you, we will tell you.
The first thing to do is to call us at (203) 458-1200 to allow us to find out more about your situation. After discussing and analyzing your information over the phone, we will discuss what we do in greater detail and explain how it may benefit you.
(203) 458-1200 (Connecticut residents only please)
You are also invited to make an appointment to come into our office for a no-fee consultation.
Here is some recent media coverage:
CBS Evening News with Katie Couric came to Guilford, CT and interviewed Scott Wilson and Debt Elimination Services in November 2008 for "Eye To Eye: The 'Cash Only' Diet." Click here to see the nationwide story clip:
http://www.youtube.com/watch?v=mzoNONtiTks
http://www.cbsnews.com/stories/2008/11/10/eveningnews/main4590948.shtml
Newspaper
The Shoreline Times article on the front page:
ShorelineTimes.com
Reasons To Call Us
I'm scared and anxious. / I can't sleep. / I lost my job. / I don't know who to trust. / I have way too much debt. / I don't think I can pay my way out of debt. / I have people calling me looking for money. / I have not defaulted but I may have to. / What or who do I pay first? / I have debt collectors calling me. / Attorneys now have my debts. / I've been sued. / My mortgage is late. / I think I may need to go bankrupt. / What is bankruptcy and what impact will this have?
We can and will answer all your questions and make you feel better. But you must give us a call for us to help you. 203-458-1200 Scott, Kim or Danielle.
FACTS
So you have overwhelming credit card debt? There is $950 billion in consumer credit card debt in America. $50 billion of it is in collections. You are not alone. Credit card companies make billions of dollars a year on the outrageous interest rates that they charge, over the limit fees and late fees.
Credit card companies do not play fair. They want you to be in debt. In many cases, they have extended credit well above a person's ability to ever repay it. Additionally, creditors also only require you to pay a small percent of the balance each month. A balance of $10,000 at 18% interest could take 57 years to pay off and you will pay at least two to three times the amount you actually borrowed.
Other Tricks They Play:
Bait and Switch - This is when you fill out an application for 9%. What happens then is they decide to send you a card at 15%. Very few people remember what the terms were and just go ahead and use the card.
Late Fees in Minutes - You might think that the bill is due on the 15th and what you do not realize is it is due at 10:00 am on the 15th. The mail gets delivered at 1:00 and you get hit with the late fee. Or you call to make a payment by phone at 10:15. Not only do you have to pay a fee for this "privilege," you will also get hit with a late charge.
Remove the Late Fee, Up the Rate - If you call and dispute the late fee (if you can even get someone to talk to you about it) they might remove the late fee but increase your interest rate instead. This happens all the time.
Over the Limit Fees - You pay late and you get hit with a late fee. This fee puts you over the credit limit, so you also get hit with an over the limit fee. $85.00 in penalty fees in one month. Cha-ching!
Musical Address - This is a game they play to make people late. They often change the PO box number so people who pay automatically with on-line banking will send the payments to the old PO box. By the time it gets to the correct PO box it is late. If you can make 1 million people late one month, that equals an extra $35 million.
The best thing to do is to give us a call: 203-458-1200
Ask for: Kim, Scott or Danielle
