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. Debt relief solutions at Golden Financial Services can enable you to become debt-free in a reasonable time-frame, along with being able to manage your debt through one comfortable monthly payment.
- Golden Financial Services has specialized in debt settlement and debt relief solutions since 2004.
- Some debt relief programs offered by Golden Financial Services come with a Money Back Guarantee.
- Zero BBB unresolved customer complaints over the past thirteen-years. Click here to see that Golden Financial Services was recently voted #1 Debt Relief Company in the Country
During your consultation you will find out what debt relief program you qualify for.
Debt Relief Programs & Services – Important Details You Need To Know For 2016
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
- Private Student Loans
- Unsecured personal loans
Secured debt, such as mortgages and car loans, cannot be included or settled
in a debt relief program offered by Golden Financial Services.
Golden Financial Services Debt Relief Program Benefits:
When you enroll in a debt relief program, you avoid bankruptcy by resolving your debt through either debt consolidation, debt negotiation or debt settlement. Bankruptcy should only be considered as a last resort option. Some consumers will qualify for a program called debt validation where their their third-party debt collection company’s will be forced to prove if the alleged debt is verifiable and a legally collectible debt, and if they cannot prove it is they can no longer legally collect on it. Often, debt collection companies fail to maintain complete and accurate records, but they get away with it because most consumers are not aware of the federal laws and what the laws require debt collection companies to abide by, therefore they never request these mandatory documents from their creditors. For example, if you request a debt collector that is calling you to send you a copy of their license to collect debt in your state, and they fail to send it, they can no longer legally attempt to collect from you on that alleged debt. A debt validation program is not saying that you never used a credit card that may have been turned over to a collection agency, the program is designed to make sure the debt collection company is doing everything they are supposed to be doing under federal laws.
- A team of case managers will handle all communication with your creditors. This itself, can feel like financial freedom!
- You will be responsible for only one-affordable monthly payment with anyone of our debt relief programs being offered.
- 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 can refer you to a non-profit debt management company (AKA: Credit Card Consolidation or Consumer Credit Counseling) that is “A” Plus BBB rated & accredited. 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. Golden Financial Services offers an array of debt relief services to ensure you are put in the right plan to fit your circumstances and your goals.
Using a Debt Relief Program to Eliminate Credit Card Debts
Eliminating Credit Cards and Unsecured Debt can be a challenging task, or some would say a nightmare, and especially when a person has a hardship. Wouldn’t you think that the credit card company’s would be willing to reduce their customer’s monthly payment during these hard times? Well unfortunately credit card company’s are not always on the side of the consumer, and sometimes we question if making money is where their focus is.
Credit card company’s and debt collectors will at times abuse their customers with harassing phone calls and charge them unfair rates, fees and interest. Fortunately, over the years there were federal laws passed. These laws are aimed at protecting consumer’s rights and ensuring the banks treat their customers honest and fair. If you believe that your creditors are illegally attempting to collect on an alleged debt that isn’t accurate, or if you believe your consumer rights were violated, or even if you are unsure of all these circumstances and would like an expert debt specialist to review your case, simply call Golden Financial Services at 866-376-9846 and find out if debt validation could be the right debt relief solution.
Click on the picture below this sentence to learn more about the Fair Debt Collection Practices Act, which is a popular federal law that debt collectors often violate.
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 program 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 programs are offered through Golden Financial Services. Consumers may be introduced to one of our partner company’s or law firm’s if they are better fit for one of their programs. Not all states will qualify for debt relief at Golden Financial Services.
Excluded (restricted state/locations that Golden Financial Services does not operate in:
- Colorado, United States (state)
- Connecticut, United States (state)
- Georgia, United States (state)
- New Hampshire, United States (state)
- Vermont, United States (state)
- Wisconsin, United States (state)
- West Virginia, United States (state)
Ask about state restrictions when calling 1-866-376-9846.
Some of the Debt Relief Programs offered by Golden Financial Services Provide the Following:
- Reduce your overall monthly payment
- Put you on a plan to become debt-free in 3 years or less (on average)
- Set you up to have only one payment each month
- Come with Guaranteed Results, meaning if results are not achieved you pay nothing!
Most companies in the United States offer either debt settlement or consumer credit counseling, but at Golden Financial Services we offer a full array of debt relief programs. This ensures that consumers are placed in the right program based on their individual and unique circumstances. This is one of the main reasons why Golden Financial Services was just voted #1 Debt Relief Company in America by Financial Product Reviews. Check out our latest award by CLICKING HERE: This is truly a one-stop-shop for all of your debt relief needs. Our goal is to help you!