A DFW Consumer's Story of Credit Card Debt Settlement

A common misconception regarding credit card debt is that it applies to spend-happy, irresponsible people who had too many shopping sprees at the Galleria or North Park.  The fact is, the average age a person seeking relief from credit card debt is forty-two, and many times the culprit of the debt is not flightiness, but unexpected medical bills or a period of unemployment.  America Debt Resolutions is pleased to work with Metroplex consumers get rid of their debt, and get back on their feet.  Contact their office at 214-303-9777.

Here is a story from Janice, a woman from Carrollton, Texas who tells about her experience with credit card debt and America Debt Resolutions:

"In the fall of 2006, I was a day late paying my Bank of America bill because I was either too busy get the envelope to the mailbox, or I was just trying to juggle the in- and out-flow of money down to the day like we often do.  Or maybe I was just too close to my credit card limit. They had given me a hard time about that too. In any case, they took my APR up to an unheard of 30%, making it impossible for me to pay my minimum balances. And nothing I could do would talk them down.

"So I found myself here, and I learned about America Debt Resolutions.  After searching a bit on the web, I at least learned of The Association of Settlement Companies, which regulates its members' practices, making them consumer-friendly. I had never been more than a day late in any payment, so as I learned more of the "dark side" of settlement (that I would have to stop paying bills, or no one would settle), I was pretty worried. I was originally talking to the company that was popular here at the time (I don't know if they still are), but their payment plan really worried me. Because of the up-front fees and because of my low income, it would take years to settle my debts through their setup.

"I knew that settlement was possible, but only if the debt settlement company doing the negotiation was very clever and knowledgeable.

"By the following September we were debt-free.  I can't say it was the easiest thing I've done. While America Debt Resolutions did what they could to stop phone calls, it wasn't foolproof.  And of course nothing can help the guilt if you are someone who has always paid your bills.

"But it worked. All three of our cards were settled before charge-off."