I speak to many Americans who contact me with varying amounts of Credit Card Debt on any number of accounts or cards. The status of their credit card debt ranges from current, slightly pass due or way past due ...even to the point of were the accounts are discharged. The reasons for being in credit card debt you can imagine also ranges widely but by enlarge the causes are job loss, family disruption and some illness in the home. I have a strong commitment to those that call me to be direct and truthful about the services offered at Credit Card RIP and Integrity Debt Options.
In my first conversation with some one who has contacted me through my website is to ask if they have listened to the 25 minute detailed overview at the Credit Card Rest In Peace website and if what they heard make sense. I ask them about their situation and that give them a view of the credit card debt landscape. The process the industry has employed is automated and as a result deals with everyone uniformly. These are the phases you may be experiencing.
1. A reminder call to pay if you are close to your limit on the card....The only thing they want to know it how much and when you will be sending a payment.
2. Repeated calls over several months from their in-house collection department. They will be very persistent and general not sympatric to your condition. Your credit report will start to feel the effect as the Credit Card Company will be reporting negatively and many even close your account.
3. After 6 months the account will be written off and sold to Collection Service. The Collection Agency will write to you and call you in an effort to collect on this debt that has been discharged. There may be 3 or more collection services over serveral years trying to collect.
4. The account may be picked up by an attorney who will act as a collector and may sue you if the firm is licensed in your State. Some Banks have been known to get a local Attorney to sue after 90 days of an account being past due.
5. Collectors whether they are an Agency or an Attorney may threaten you and tell you that you must respond by a certain date. These datelines are verbal or mailed with out proof of receipt by you. These threats mean nothing.
6. The only time that you must responded to a document is if it is a summons.
The Service at Credit Card RIP is designed to educate you through the scenario outlined above and beyond. When you decide to fight back, learn your rights and use the Law you will be assisted to eliminate you credit card debt in 12 to 18 months on average. Client receive written information and CD's within the first 5 days of membership, access to the member website with powerful resources per your state as well as Federal Consumer sources. There are 30 calls each week hosted my a staff well prepared to answer you questions and help you with settlement or litigation issues. These calls are also on the site available on recording. This strategy is not for everyone and if it is not right for you will be told as much. Regardless, you will benefit from our exchange of conversation and information we will provide you so that you can make an informed decision.
This is an ethical, moral and completely legal program to show you how to get out of the spiraling clinches of “Credit Card Hell” and take back your credit worth reputation. This is NOT-- Debt Consolidation, Debt Settlement, Arbitration or Credit Consumer Counseling. Don’t even think about considering the stigma Bankruptcy would carry for you—and the additional expense that goes with it… Visit us at Credit Card Rest In Peace or call us at (949) 240-7401 0r (800)587-9046 Ext 6060
We look forward to getting you back in control of your financial future!
Check out my blog at Eliminate-Credit-Card-Debt-Options
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