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USADept411.com provides a nationwide outreach dedicated to creating a unique opportunity for relief for credit consumers experiencing severe financial hardship. We will work together with a number of corporate affiliates in a continuing effort to provide the best solution for your financial situation.

USADept411.com is a consumer advocate debt settlement organization established to help those who have fallen behind on their debt and are now facing the prospect of harassing creditors, law suits, and a damaged credit history. Let us help you manage and settle your debts as an alternative to filing bankruptcy. Our services and information are designed to promptly help you reduce and/or settle your current debts so you can enjoy life once again.

For more information, Sign-up or call now for a Free no-obligation consultation

USADept411.com is backed by more than 15 years of debt settlement experience.
Our debt reduction program is the most powerful way to eliminate your credit card and unsecured debt by reducing the total amount you owe - not just the interest rate. By negotiating a debt settlement, your money problems can become a thing of the past.
We work with your creditors in a non-adversarial nature negotiating a much lesser pay-off on a unsecured debt such as a credit card. When a debt settlement amount has been agreed on by your creditors and paid, your creditors have accepted payment for that debt.

If you're experiencing any type of hardship, this new program can end your unsecured and credit card debt in 24 to 36 months with savings up to 50-70% or more.
   
 
 
Did You Know?

Consumer bankruptcies have surpassed 1 million a year since 1996, setting a record of 1.54 million in 2002, according to the American Bankruptcy Institute (ABI). Personal bankruptcy filings have nearly doubled in the past decade, rising 7.4 percent to more than 1.6 million in the 12 months ending September 30, 2003. "Total bankruptcy filings remain at historic highs. Non-business bankruptcies now account for 97.8 percent of all bankruptcies filed in federal courts," stated an ABI press release.
   
 

Bankruptcy is a way to potentially get out of your debts. Unfortunately, it comes at a high price. It is a long and painful process and the repercussions can last for over a decade. First of all, a bankruptcy will stay on your credit report for 10 years. However most people do not realize that bankruptcy can stay on their court records for over 20 years and can follow someone for the rest of their life. If you apply for a job, a loan, rent an apartment, or even insurance your bankruptcy filing can be uncovered. Bankruptcy is not an easy or even quick fix. It is a very serious decision with serious consequences. If you are considering bankruptcy, you should consider contacting a lawyer to discuss this option.

So what can you do to avoid the "lifetime" plan and get out of debt in the quickest manner possible while saving as much money as possible?

There are several options to deal with debt. Some will have negative effects on your credit and lifestyle for many years. The options we offer give you the shortest time to becoming debt free and have the least negative impact on your credit record. The options, from worst to best:

Keep doing what you are doing - You can choose to stay on the "lifetime plan" and be stuck making minimum payments for many years while paying thousands in unnecessary interest.

File bankruptcy - Some have no choice but to use this option, since they cannot afford to make even the smallest of payments on their accounts. But as we all know, bankruptcy is the most painful choice there is, and has long lasting consequences. Now that the laws are changing, it may be even harder to file. Many judges require people to enroll in a debt management type program first, before they are even allowed to declare bankruptcy. This option will affect your credit report for the next 10 years, and in many cases will stay on the court records for up to 20 years.

Now, for the better way!

Debt Negotiation - UsaDebt411.com offers a program where your debt is negotiated and settled for a fraction of what you owe. The cost of the entire program is estimated at 65-85 cents on the dollar of principle owed. UsaDebt411.comt, our debt negotiation settlement firm, has been in business since 1989. UsaDebt411.com is the nations leading third party debt intervention, debt negotiation, problem solving, dispute resolution company, representing commercial enterprises and American consumers from Maine to Hawaii and everywhere in between. To learn more about this program, click Here

Our debt counselors will help you decide which program is the very best to address you short-term and long-term goals and to become debt-free within the shortest possible time and under the best conditions. When you enroll in one of the programs we offer, you will achieve your goal and you'll also learn how to avoid the pitfalls that caused you to fall deep into debt and to become financially independent.

For more information, Sign-up for a Free no-obligation consultation 

   
 

 
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