Why It’s So Hard to Get Out of Debt On Your Own

“I’ve Tried It All—Why Won’t DIY Debt Payoff Work for Me?”

If you’re in debt, you’ve probably considered (or even tried) some of the popular DIY debt payoff methods promoted by celebrity financial gurus. From Debt Snowball to Debt Stacking, it can feel like there’s a lot of ways to try and lessen debt on your own, but not a lot of practical solutions.

The truth about the Debt Snowball method and others like it is that it isn’t the best solution for everyone, especially those in dire financial straits. When you have medical bills, credit card debt, or other loans piling up (sometimes all three); the biggest mistake you can make is to try to dig out of debt without the support of experts.

What Makes Paying Off Debt On Your Own So Difficult

Many Find It Hard to Negotiate, Talk to, or Deal with Harassment from Creditors

Our clients are no strangers to the constant bombardment of phone calls from debt collectors and creditors. Dealing with banks or credit card companies on your own can be a lot like asking a chef to fix the engine of a race car—the skillsets just don’t line up. Luckily, debt resolution programs like American Credit Card Solutions are staffed with professional debt specialists. These experienced negotiators know how to handle even the toughest of creditors. After years of working with clients’ unique financial situations, they have the know-how and leverage necessary to get you the best settlement outcomes possible.

Planning a Debt Payoff Strategy Requires Careful Planning

If you’re struggling with debt, figuring out a payoff plan and payment strategy by yourself is tough enough. Add creating a strict savings schedule, strategizing about which debts to negotiate or pay down first and for what amount, and managing dozens of calls with creditors on top of that and you have a situation even someone with superhuman organizational skills would find challenging. Debt payoff planning requires making the right decisions so you don’t get deeper into debt and sets you up for future financial success. Working with a debt relief company like ACCS takes this complicated process off your plate, letting you focus on getting your life back.

Paying Off Debt Can Be a Full-Time Job

If you’re already working 40+ hours a week, this can leave you little time to dedicate to your debt payoff strategy. Debt resolution companies take that weight off your shoulders by simplifying the process. Under their guidance, you work with them to craft a payment plan that works for you, and they handle almost everything else. Though getting out of debt is still stressful, having a partner can save you time.

Why Work with a Debt Relief Company

While you can take a DIY approach when it comes to debt settlement, there are several benefits to partnering with a debt resolution program:

Have a Single, Affordable Monthly Payment

One of the most challenging parts of struggling with debt is the individual payments you need to make. A debt relief company will take each creditor account and merge them into one new account. This results in a single, manageable monthly program payment that may be lower than what you were paying before.

Settle Your Debts Without Compromising Your Other Financial Obligations

When you’re in debt, it can be tempting to sacrifice paying one bill to get ahead. Without considering the bigger picture, this haphazard approach can push you further into debt. Because debt settlement relief companies take into account your income and other financial obligations as part of your program plan, you won’t have to choose between paying down your debt or the electric bill.

Receive Financial Guidance from Trained Experts

Ever heard of the old saying, “It takes a village”? Sometimes help and support from others is just what you need. With years of successful settlements and experience in the field, the debt specialists at ACCS can review your unique financial situation and guide you towards a debt management solution that is tailored to fit your needs.

Have a Considerable Amount of Your Debt Forgiven

The point of debt settlement is to negotiate a payment that is a percentage of what you originally owed. Approaching the process with an experienced partner as opposed to negotiating on your own can mean the difference between paying back 60% of your debt versus 40% of your debt.

Faster Debt Repayment

Paying down debt on your own can take many years, but you could be debt-free much faster when a debt relief company steps in to help. While you simply make regular program payments, a trained team of negotiators use their expertise to settle your accounts faster, meaning your debt could be forgiven in half the time it would have taken you on your own.

Less Stress, More Happiness

Imagine a life free from harassing creditors, overdue bills, and financial hardship. By taking the weight off of your shoulders and working with you every step of the way, a debt relief company can turn stress into success to get you back on your feet.

While there are many debt relief partners out there, the difference between ACCS and the other guys is clear. We take the time to ensure that our clients are supported, motivated, and encouraged along their entire debt-free journey. Request a Custom Debt Relief Plan today to learn more about what ACCS can do for you!

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