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What Debt Relief Program is the Right Solution for You? Follow these 3-STEPS

These programs have been tested over the course of many years and have proven to work. Just Google — “Golden Financial Services” — and you will find hundreds of happy client reviews and a perfect A+ BBB rating with no customer complaints.

Here are a few recent client reviews…

You can tailor each of these programs to fit your budget. The debt payoff calculator on step one, below — makes it easy for you to plug in different monthly payment options — to run different scenarios and see how fast you can get out of debt. 

You can pick a low monthly payment if you need immediate relief. If you want to get out of debt faster — raise the payment. If you come across a financial hardship at some point during the program, you can lower your payment or adjust it. Our objective is to help you get out of debt fast and to make sure that you are successful.

Do you want to get out of debt fast?

There are three steps to follow to become debt free very quickly!


Try this debt payoff calculator and find a plan that fits your budget. 

***You can adjust the payment and interest rate, to run different scenarios in order to find the right plan. Keep in mind that these are just estimates, but “step one” is just that — getting a free quote (estimate of what each program can save you)!***


National IAPDA Certified Debt Relief Experts Are Available To HELP YOU – Call Toll-Free 1-866-376-9846. (TALK TO AN EXPERT FOR FREE).


Read the Pros and Cons of the Plan You Selected

Debt validation

Debt validation programs dispute the validity of third-party debt collection accounts. Credit card debt is the most popular type of debt that can be included in the program, but second to credit card debt is private student loan debt. The reason we put debt validation at number one is that it can be the least expensive option to resolve a debt. Make sure the debt collection company can verify and validate a debt, before paying it — because there’s a good chance they won’t be able to validate it.

Here’s a good analogy explaining the concept of debt validation:

Just like when you get a speeding ticket, there’s a process you can use to challenge the ticket and get it dismissed. That same theory is used in a debt validation program. Yes, you were speeding, but that ticket gets easily dismissed when properly challenged.

With debt validation a debt can become legally uncollectible, meaning you don’t have to pay it and the debt collection company can no longer report the negative marks on your credit.

Pros of Debt Validation 

  • Can be the least expensive option to resolve debt
  • Credit restoration is included for no extra cost
  • Money back guarantee included
  • Disputes accounts that may not be legally collectible
  • Uses consumer laws to deal with unverifiable debts
  • If debts are invalidated, this can be the least expensive option to deal with your debts

Cons of Debt Validation 

  • Creditors can issue a summons (This rarely happens, but if it happens — the debt would then have to be settled as we are about to talk about in option two)
  • Accounts must be with a third-party debt collection company before disputing
  • Potential creditor harassment could occur up to the time a debt is disputed
  • Since the debts will still exist, there is a chance they can be sent back to the original creditor or taken over by another collection agency where the disputing process will continue

The goal:

— To prove the debts to be legally uncollectible so that you don’t have to pay them (the debts will still exist, but they will remain legally uncollectible)

— Get the debts removed from your credit report

See how fast you can become debt free - start with an debt relief program online quote.

National IAPDA Certified Debt Relief Experts Are Available To HELP YOU – Call Toll-Free 1-866-376-9846. (TALK TO AN EXPERT FOR FREE).

Debt Settlement

Debt Settlement (synonyms: debt arbitration, debt negotiation, and credit card settlement) – is a process that involves negotiating with creditors or third-party debt collection companies to reduce the balance owed on an unsecured debt after an individual goes delinquent on their payments – due to financial hardship in most cases. A typical debt settlement program requires the client to make monthly payments into a savings account (Trust Account) where the funds accumulate each month. When a sufficient amount is available to offer, as a one-time lump sum payment to one of their creditors, negotiations start. If the creditor and our client “mutually agree” to the reduced settlement offer, written confirmation is given to our client from the creditor, and the funds are immediately released and paid directly to the creditor.

In all cases, once the creditor agrees to the reduced amount (settlement amount) and confirms this in writing – the funds will get paid directly to the debt collection company from the client’s savings account, and the balance will reflect as “zero dollars owed.”

Pros of Debt Settlement

  • Pay less than the full balance owed
  • Debt-free within 24-42 months on average
  • Get one single and affordable monthly payment

Cons of Debt Settlement

  • Potential creditor harassment and lawsuits
  • Results may vary
  • Negative impact on credit (creditors have to wait to get paid)
  • Potential tax consequences

The goal:

— Get you out of debt in the fastest time-frame.

Get your free online debt relief program quote. See how fast you can pay off all of your credit card debts.

National IAPDA Certified Debt Relief Experts Are Available To HELP YOU – Call Toll-Free 1-866-376-9846. (TALK TO AN EXPERT FOR FREE).

Consumer Credit Counseling

Consumer Credit Counseling Programs — Your interest rates get reduced. You then have only one monthly payment to deal with.

Reputable consumer credit counseling companies already have established relationships with each credit card company.

You can get a 25% interest rate reduced to 8-10%.

The consumer credit counseling company disperses the individual monthly payments to each of your creditors, making your life easier.

Your new consolidated monthly payment ends up being around the same as what it was when paying only minimum payments on your own, but the difference is that you get out of debt faster. (within 5 years)

Pros of Consumer Credit Counseling

  • No adverse impact on credit
  • Flexible terms
  • Have a single payment each month
  • All of your existing high-interest loans get “paid in full”

Cons of Consumer Credit Counseling 

  • Must pay entire loan amount back with interest
  • May not see a reduction in the monthly payment
  • Some debt consolidation companies charge high fees
  • It is reported on your credit report that you are using a consumer credit counseling company (a third-party notation)

The Goal:

— Get rid of your high-interest accounts so that you can get out of debt faster.

Get a free debt relief program quote now.

National IAPDA Certified Debt Relief Experts Are Available To HELP YOU – Call Toll-Free 1-866-376-9846. (TALK TO AN EXPERT FOR FREE).


Bankruptcy (synonyms: Chapter 7 bankruptcy, Chapter 11 bankruptcy, Chapter 13 bankruptcy, Chapter 9 bankruptcy, Chapter 12 bankruptcy and Chapter 15 bankruptcy) – consumer bankruptcy refers to when a debtor files a petition with the bankruptcy courts.
Chapter 7 bankruptcy is used to discard a person’s debts in exchange for the attorney and court fees. Chapter 13 bankruptcy is used to reorganize debt payments to be more affordable based on a person’s disposable income and determined by the court-appointed judge.

Pros of Bankruptcy 

  • Creditor harassment must stop
  • Debts could be wiped away (Chapter 7)
  • Entire process takes six months or less

Cons of Bankruptcy 

  • A small percentage of bankruptcy applicants will qualify for Chapter 7
  • Long-term adverse effect on credit (7+ Years) – for all bankruptcies
  • Shows up on public records
  • Could prevent a person from financing a new car, renting an apartment, refinancing their home and even getting a job
  • Monthly payments for around five years on average (Chapter 13)

The Goal:

— Possibly save your home so that you can continue living in it.

— Get immediate relief from your debts.



Apply for a free debt relief quote online by clicking here:


CALL 1-866-376-9846 RIGHT NOW

We look forward to explaining your debt relief options to you – and helping you to become debt free.


The information contained in this website is for general information purposes only. The information is provided by Golden Financial Services ( and while we endeavour to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your risk. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website. Through this site, you can link to other websites which are not under the control of Golden Financial Services. We have no control over the nature, content, and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them. Every effort is made to keep the website up and running smoothly.

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