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Credit Card Debt Free – Can I Settle Credit Card Debt By Myself?


Is there a easy way that allows you settling a credit card debt without using a credit card debt counselor? it seems those interested could do it, but is it advisable?

Hector Milla editor of the “Credit Card Debt Free Website” -- – said;

“credit card debt counselors do not settle debt. They usually are able to reduce interest rates, and collect the full balance through a debt relief or debt management plan, this is when you pay one single payment each month, while the service you have chosen to settle credit card debt pay your creditors in your behalf…”

Hector Milla also added some tips for settling credit card debt, doing it yourself:

1) Firstly, the accounts must be delinquent. Because creditors will not settle for anything less than the full balance you owe, so until your accounts are seriously past due, generally more than 180 days you won’t be able to settle credit card debt.

2) Secondly, documentation it is very important and you shouldn’t under any circumstance settle based in a conversation or phone call. Also, do not make payments by phone. Collectors are well known for asking a check as soon as you call them. It is their job, but you are not obligated to follow them in this practice.

3) Finally, Use certified mail with return receipt. After an acceptable settlement offer is done -- in writing – you can send a check. However, firstly, write your account number for the account you are settling --this is on the check-- adding in the memo “FOR PAYMENT IN FULL.” Then, send the check along with a copy of the settlement offer by certified mail with return receipt.

“Of course, if your credit card debt is too high or contains several creditors you should be thinking on hiring the right professional. Nonetheless, be careful because there are only few good ones in the market. There are unscrupulous people, as there are in every market you can imagine. However, we have rated the best 3 companies for becoming debt free in the shortest span, just trusted and reliable services …” pointed out H. Milla as conclusion.


Visit for further information, this website has listed the best 3 rated credit card debt free companies.


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