Debt Settlement

If you are pilled up with debt then eliminate your debt problems with Debt Consolidation. You can be Debt Free in as little as 12-36 months. Our program administrator will lower your debts down up to 50% and offer you a service fee money back Guarantee. This is your alternative to bankruptcy, debt consolidation, or credit counseling.

If you’re in debt, you need to start thinking about how you’re going to get out of it.

Fill out the quick & easy form
Speak with a representative about your debt issues
The representative will explain the service of debt settlement and how they can help you further
If you agree to paying 15% of your total debt with our low monthly payments then we will have 50% of your debt removed with as little as 12-36 months

How do I find out what my debt help solutions are?
It’s true that there are a number of ways you can tackle your debt. If you have multiple debts across a few credit cards, you can always consolidate them with a loan or lower rate credit card. If you want to get the creditors off your back without filing for bankruptcy, you can negotiate with your creditors or even hire the services of a credit counselor who will negotiate with your creditors and help you establish a payment plan.

I tried to budget my finances so I can start paying off my debt, but I’m still not getting anywhere. What do I do?
It is possible that even after you establish a strict home budget that you just can’t seem to put a dent in your debt. In this case, you need to talk to your creditors and try to negotiate a lower lump sum payment or rate. If you’re not comfortable handling such negotiations, a credit counselor with help you out. Their services aren’t free, but they’ll be able to save you a ton in the end.

Is there an estimated length of time it takes to pay off debt?
No. It all depends on how much you owe, the interest rate attached to your dent, and how much you pay each month. These three factors will determine how long it will take to pay off your debt. If you only pay the minimum balance each month, it’s going to take you quite a long time.

At what point do I need to hire a debt consolidation service?
Debt consolidation services are helpful when your debt is out of control. However, it might not be to that point yet. You need to figure out what your debt-to-income ratio is and determine what you can do to adjust this ratio. If there’s no way to lower the ratio by cutting back on expenses or refinancing, you should consider getting in contact with a debt consolidation service.

What if my question is not listed here?
If you have a question that is not answered here just go to our contact us page and submit your question there. A Harbor Credit Representative will get back to you as soon as possible.

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