Credit Education

You are faced with over $10,000 of unsecured debt, and need some help. There are several ways that Apex Debt Relief can help YOU with your individual situation.

Debt Settlement

Debt settlement, also known as debt arbitration, debt negotiation or credit settlement is an approach to debt reduction in which the debtor, you, and creditor agree on a reduced balance that will be regarded as payment in full. Apex Debt Relief negotiates this reduced balance on your behalf.

Debt Reduction Program

Debt Reduction Program, also known as Consumer Credit Counseling, is a process that involves offering education to consumers about how to avoid incurring debts that cannot be repaid through establishing an effective Debt Management Plan and Budget. Credit counseling is usually less typified by functions of credit education or the psychology of spending habits; rather credit counseling establishes a planned method of debt relief, typically through a Debt Management Plan.

Credit counseling often involves negotiating with creditors to establish a debt management plan (DMP) for a consumer. A DMP may help the debtor repay his or her debt by working out a repayment plan with the creditor. DMPs, set up by credit counselors, usually offer reduced payments, fees and interest rates to the client. Credit counselors refer to the terms dictated by the creditors to determine payments or interest reductions offered to consumers in a debt management plan. Apex Debt Relief can walk you through this program to reduce you debt and protect your credit score.

Bankruptcy

Bankruptcy is a legally declared inability or impairment of ability of an individual or organization to pay its creditors. There are several types; however the most common filings for individuals are Chapter 7 and Chapter 13 bankruptcies.

Chapter 7 allows for basic liquidation for individuals and businesses; also known as straight bankruptcy; it is the simplest and quickest form of bankruptcy available

Chapter 13 is rehabilitation with a payment plan for individuals with a regular source of income; enables individuals with regular income to develop a plan to repay all or part of their debts; also known as Wage Earner Bankruptcy.

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Settling your debt can be overwhelming. Apex Debt Relief is committed to giving you peace of mind. We work directly with a nationwide network of attorneys to negotiate your debts, ensuring your consumer rights are protected and help you get your life back on track. Apex Debt Relief is in good standing with The Association of Debt Settlement Companies, our governing body.

Call TODAY for your Free Financial Strength Score, and give us 10 minutes to make a recommendation for you, based on YOUR personalized financial situation.