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Debt settlement programs charge fees that consume most of the discount negotiated with creditors.
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Instead of signing up for a debt relief plan, you can call creditors directly, explain your hardship, and ask for a settlement or hardship payment plan.
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The national savings rate stands at only 4.0%, even as credit card debt hit a new high of $1.28 trillion.
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The analyst who called NVIDIA in 2010 just named his top 10 AI stocks. Get them here FREE.
“It’s like a Planet Fitness. They get you in real easy, but to get out, it’s an act of Congress.” That’s how George Kamel recently described debt relief programs on The Ramsey Show. If you’re paying fees for a service that saves you only $100 or $200 over the life of the program,…