My name is Rebecca. I am a 30 year old, single, professional female. In 2008, I realized my debt situation was out of control and only getting worse. I managed to maintain a good credit score up to that point, but making the monthly payments was becoming impossible. I had three credit cards. Two had reached their maximum credit limit and the third was on its way. One credit card company even decreased my credit limit due to the amount of money I was charging and being unable to pay. I ended up being approximately $33,000 in debt. I did not get into this kind of debt overnight. I was approved for my first credit card as a freshman in college and had been carrying credit card debt ever since. First, the card was to be for emergencies only. Over time I put more and more on my credit cards, even daily expenses such as food. I even started a second job with the intention of using that income solely to pay my credit card debt, but it wasn’t enough. In researching my options, debt settlement appealed to me most. I knew it would damage my credit score for a period of time due to missed payments, but I was hopeful I could rebuild that after I was free from this huge amount that I owed.

My parents had signed up for the debt settlement program with Debt Remedy Soultions a couple of months before I did. I was nervous about doing it and initially concerned about the damage it would cause to my credit. I then realized I would not be able to fix this situation any other way. I could not do it on my own. I had to put my pride aside and make the first phone call. I remember speaking to my credit counselor Alan Smith for more than an hour during that initial phone call. He was very considerate and did not make me feel less than human for getting myself in this situation. He showed a strong concern for my well-being and encouraged me to stick with the process no matter how difficult it got. He walked me through the process of signing the contract and explained the process Debt Remedy Solutions would use with the cease and desist letter. This is probably what made me feel the most at ease because I knew the collections calls would stop. Debt Remedy Solutions does require a monthly fee in order to help and there were times I would have loved to have that money in my pocket, but I knew I would appreciate all they were doing for me when my settlements were over.

My debt settlement process is nearly over. Debt Remedy Solutions has worked out a settlement arrangement on my third and final account. Debt Remedy Solutions has helped me settle my debts for less than half of the amount I owed. I will be debt free in the very near future. I could not have accomplished this without the help of Debt Remedy Solutions. I would still be drowning in debt and continually harassed by debt collectors. I’m sure I would have been paying on my credit cards for the rest of my life were it not for this debt settlement program. In my debt free life, I plan to continue to live debt free. No more credit cards for me. If I can’t pay cash for it, I will not buy it or I will save for it. Having paid off my debt will give me a better quality of life in general. No more worries about not being able to pay down my balances. This huge amount of money will no longer be hanging over my head. The money I have saved and will save each month will allow me to enjoy my life.

Rebecca M. Indianapolis, IN