{"id":21414,"date":"2022-11-09T21:37:43","date_gmt":"2022-11-09T20:37:43","guid":{"rendered":"https:\/\/ecreditdaily.com\/?p=9993"},"modified":"2022-11-09T21:37:43","modified_gmt":"2022-11-09T20:37:43","slug":"payday-loan-relief-reviews-2","status":"publish","type":"post","link":"https:\/\/businessfinancenews.com\/loans\/payday-loan-relief-reviews-2\/","title":{"rendered":"payday loan relief reviews"},"content":{"rendered":"<div readability=\"238.02267886951\">\n<p>The number of people who are battling debt is enormous. Once you enroll in debt and do not take the responsibility to pay it back on time, expect risky settlements. By the year 2018, consumer debt had grown to a staggering $3.9 trillion, an increase of over 7.5 percent over the previous year 2017. In 2019, credit card debt was $1.067 trillion. According to statistics, the average debt per resident is $67,700. As a result, we can confidently assume that a huge majority of Americans are in financial distress and need assistance. This is where national debt relief programs come into the picture.<\/p>\n<h2>Debt relief options<\/h2>\n<h3>A closer look at national debt relief: what it is, how it works, and why you should use it?<\/h3>\n<p>Debt relief can simply be described as total or partial forgiveness of debts. Using credit cards and loans recklessly may lead to massive debts with exorbitant interest rates. You can avoid the burden of debt repayments by working with a debt relief company. As soon as you pay off the debts, your credit report will have more positive entries and this can help improve your credit score.<\/p>\n<p>With a poor credit score, it won\u2019t be easy to qualify for affordable loans and credit cards.<\/p>\n<h2>Introducing debt relief programs (How they work)<\/h2>\n<p>Consumers may use debt relief solutions to lower their financial load and get out of debt in a practical and fair manner. The services help clients in making manageable payments and eventually pay off their debts. Debt relief programs work in either of the two ways; lowering the annual interest rate or reducing the principal amount. Sooner, you will get out of debt.<\/p>\n<h2>GreenDayOnline debt relief programs<\/h2>\n<h3>Financial counseling<\/h3>\n<p>Our financial coach will explain how debt reduction options operate based on your specific situation. This service is available for free<\/p>\n<h3>Negotiation<\/h3>\n<p>The experienced financial coach also contacts your creditors and negotiates for a lower amount<\/p>\n<h3>Budgeting<\/h3>\n<p>You get advice from our budgeting consultants on how you can save or earn extra money and use the cash to pay the creditors.<\/p>\n<h2>Types of loans to consolidate<\/h2>\n<h3>Credit card bills<\/h3>\n<p>There are different ways you can use to get debt relief on your credit cards. The first one is the credit card debt settlement program that can reduce the amount you owe.<\/p>\n<p>The second option is the credit card debt consolidation program where you apply for another loan to pay off your outstanding credit card debts. This loan is usually a personal loan that comes with a lower interest rate and a manageable repayment plan. You are likely to avoid fines and late fees if you choose either option. So, it is better to have a payment plan.<\/p>\n<h3>Payday loans<\/h3>\n<p>Payday loan relief may be accomplished in a variety of ways. The first is a debt settlement program for online payday loans, which may help you pay off a part of your debt.<\/p>\n<p>If you really want to minimize the annual interest rate on your existing loans, a debt consolidation program for a payday loan may be advantageous. Debt settlement services and consolidation programs have the benefit of assisting customers in the repayment of both illegal and legal debts.<\/p>\n<h3>Medical expenses<\/h3>\n<p>Both the options explained above, which are debt consolidation and debt settlement company may help get rid of outstanding medical bills.\u00a0 Medical expenses are one of the many types of unsecured debts that can be cleared through the debt consolidation program.<\/p>\n<p>In most cases, having an unpaid medical bill won\u2019t have a negative impact on your credit score. This can only happen when the debt is forwarded to collection accounts since it will show on your credit report and can bring your score down.<\/p>\n<p>So, if you have a mountain of medical bills to pay, take advantage of medical debt reduction programs as soon as possible to avoid having your debt auctioned to debt collectors.<\/p>\n<h2>5 types of debt relief options offered by GreenDayOnline<\/h2>\n<h3>1. Budgeting<\/h3>\n<p>Creating a budget frees some cash that can be used to settle your debts.<\/p>\n<h4>Pros<\/h4>\n<ul>\n<li>You have 100% control over your money<\/li>\n<li>You can track your financial goals<\/li>\n<li>Helps organize your spending<\/li>\n<li>Allows you to pay debts quickly<\/li>\n<li>Can help you invest<\/li>\n<li>Can help boost your credit score<\/li>\n<\/ul>\n<h4>Cons<\/h4>\n<ul>\n<li>You may have to avoid spending on luxuries for a while<\/li>\n<li>Complications may arise due to inadequate fund allocation<\/li>\n<li>It may take some time to create a budget you can rely on<\/li>\n<\/ul>\n<h4>Best option for<\/h4>\n<p>Anyone who wants to be in full control of their finances and achieve financial freedom<\/p>\n<h3>2. Debt management<\/h3>\n<p>You can pay off all of your outstanding obligations at a lower interest rate by choosing a reliable debt management firm like GreenDayOnline.<\/p>\n<h4>Pros<\/h4>\n<ul>\n<li>The annual interest rate may be lower<\/li>\n<li>Over time, your credit score will increase<\/li>\n<li>Reduces financial burden<\/li>\n<\/ul>\n<h4>Cons<\/h4>\n<ul>\n<li>Only unsecured debts qualify for debt management<\/li>\n<li>You also have to strictly adhere to a budget<\/li>\n<\/ul>\n<h4>Best option for<\/h4>\n<p>Anyone who will be able to easily repay existing obligations if interest rates are decreased<\/p>\n<h3>3. Debt consolidation<\/h3>\n<p>Personal loans are used to consolidate debt into a more manageable repayment plan with a lower interest rate.<\/p>\n<h4>Pros<\/h4>\n<ul>\n<li>Flexible repayment plan<\/li>\n<li>Interest rate reduces<\/li>\n<li>Helps avoid annoying collection calls<\/li>\n<\/ul>\n<h4>Cons<\/h4>\n<ul>\n<li>Your financial habits have to change<\/li>\n<li>You still have to use a portion of your income for debt payments<\/li>\n<li>Missing a payment can lead to more debts<\/li>\n<\/ul>\n<h4>Great option for<\/h4>\n<p>Anyone who isn\u2019t used to paying many payments at once.<\/p>\n<h3>3. Debt settlement<\/h3>\n<p>Debt settlement enables you to make a payment that is less than what you owe, that is a debt for less.<\/p>\n<h4>Pros<\/h4>\n<ul>\n<li>Your outstanding balance reduces<\/li>\n<li>Helps you clear debt fast<\/li>\n<li>Helps avoid collection calls<\/li>\n<\/ul>\n<h4>Cons<\/h4>\n<ul>\n<li>Not all creditors can agree to it<\/li>\n<li>You have to start saving funds in a trust account<\/li>\n<\/ul>\n<h4>Best option for<\/h4>\n<p>Anyone who wants their outstanding debts decreased<\/p>\n<h3>4. Bankruptcy<\/h3>\n<p>Creditors will not be able to seize your assets if you file for bankruptcy.<\/p>\n<h4>Pros<\/h4>\n<ul>\n<li>Court intervention can help reduce the outstanding balance<\/li>\n<li>Stops collection calls<\/li>\n<li>Postpones judgment and foreclosure<\/li>\n<\/ul>\n<h4>Cons<\/h4>\n<ul>\n<li>For up to ten years, a bankruptcy will appear on your credit record.<\/li>\n<li>Liquidation of non-exempt assets is possible.<\/li>\n<\/ul>\n<h4>Best option for<\/h4>\n<p>Anyone is prepared to sell their assets and pay off their obligations.<\/p>\n<h2>When GreenDayOnline debt relief program can be a good option for you<\/h2>\n<ul>\n<li>You are not ready or can\u2019t afford to pay high interest on debts<\/li>\n<li>Want to achieve financial freedom faster<\/li>\n<li>Need to get legal help with your debts<\/li>\n<li>Work with a respectable and trustworthy debt reduction company<\/li>\n<li>Looking for a debt relief company that is FTC compliant<\/li>\n<li>Need advice on which debt relief option is good for your situation<\/li>\n<li>Want to work with a company that offers a 100% money-back guarantee if your debts aren\u2019t cleared<\/li>\n<li>Need help with credit card, medical, and payday loan debts<\/li>\n<\/ul>\n<h2>Tips for choosing a debt relief program that works for you<\/h2>\n<ul>\n<li>Conduct a good search with the keyword how to get debt relief<\/li>\n<li>Go through all the available options and familiarise yourself with their services<\/li>\n<li>Compare the options depending on your needs and budget<\/li>\n<li>Choose a program that suits your requirements and join<\/li>\n<\/ul>\n<h2>How GreenDayOnline can assist you?<\/h2>\n<p>GreenDayOnline does not only specialize in offering debt relief programs, but we can also help you choose a program depending on your situation. We have a unique approach to debt-free life that helps clients;<\/p>\n<ul>\n<li>Know which debt relief option will work best for their financial circumstance<\/li>\n<li>select the best debt relief option<\/li>\n<\/ul>\n<h2>Frequently asked questions<\/h2>\n<h3>Can a debt relief program improve my credit score?<\/h3>\n<p>Yes, depending on the type of program you join.\u00a0 If debt settlement is the best option at the moment, you will notice a slight drop in your credit score since the amount you pay will be less than what was originally agreed.<\/p>\n<p>There are however other strategies that you can use to rebuild credit. This includes paying bills on time, not closing your unused credit card accounts, and applying for new credit among others. Debt management and consolidation might help you boost your credit score over time.<\/p>\n<h3>Are our debt reduction programs effective?<\/h3>\n<p>People who used debt reduction firms\u2019 services were able to complete the programs effectively. However, we can\u2019t assume that all of these folks have been successful.<\/p>\n<p>To ensure that the program works for you, here is what you need to do;<\/p>\n<ul>\n<li>Find out the amount you can comfortably pay and save using our debt payoff calculator<\/li>\n<li>Select a program that suits your financial circumstance<\/li>\n<li>Find a reputable and successful company that offers debt settlement and debt consolidation programs<\/li>\n<li>Go through the reviews on the company before hiring them<\/li>\n<li>Ensure that you have a written contract and be disciplined in making monthly payments<\/li>\n<li>Ensure that you read the state laws concerning these programs to avoid being scammed<\/li>\n<\/ul>\n<h3>How can you define hardship programs?<\/h3>\n<p>A hardship program is a direct agreement between you and the lender to pay the money at a low-interest rate or even skip some payments. This happens when you fail to pay due to certain issues like a long-term illness or job loss. In this case, skipping to pay your due will affect your credit limit and scores.<\/p>\n<p>This program is different from debt management or debt settlement since you work directly with the lender, and no third party is involved.\u00a0 The lender can agree on a repayment plan that you can afford which will make it easier to pay the debt.<\/p>\n<h3>How do hardship programs work?<\/h3>\n<p>With a hardship program, your lender reduces the fees and interest rate to make it easier for you to repay the debt.<\/p>\n<h3>How long can a hardship program last?<\/h3>\n<p>This program lasts for between 6 months and 1 year. The period can even be longer depending on the amount of debt.<\/p>\n<h3>Are our debt relief programs expensive?<\/h3>\n<p>GreenDayOnline doesn\u2019t charge any upfront fees for debt settlement and debt consolidation programs.\u00a0 You only need to part with a 15% success fee on the amount of enrolled debt.<\/p>\n<p>This fee is only paid once the debts are cleared. There is also a 50 monthly consultancy fee for every 30 minutes spent with our tax attorney, savings consultant, debt consultant, and budgeting consultant.<\/p>\n<p>Some of our services, which are budgeting and bill payment attract a fee for the first 10 monthly recurring bills. It attracted a fee for any extra bill.<\/p>\n<p>It is crucial to remember, however, that the fees charged by debt relief companies differ. BFN charges an affordable amount for debt relief services.\u00a0 You also should watch out for fraudulent companies that don\u2019t adhere to the FTC guidelines. Most of these companies will request an upfront fee and won\u2019t do anything thereafter.<\/p>\n<h3>Things to avoid when you are trapped in debts?<\/h3>\n<ul>\n<li>Don\u2019t only pay unsecured debts and forget the secured ones<\/li>\n<li>Don\u2019t apply for a loan against your retirement savings account<\/li>\n<li>Be patient. Do not make quick decisions just to avoid harassing calls from your lender<\/li>\n<li>Do not pay any amount before having a written contract<\/li>\n<li>Paying down unsecured debts using cash-out refinancing should be avoided<\/li>\n<\/ul>\n<h3>\u00a0Will I pay tax?<\/h3>\n<p>The tax applies when the lender writes off a debt amount of more than 600. For example, suppose you have a total credit card debt of $20,000. \u00a0It is obvious that no tax was paid for this amount considering that it wasn\u2019t your income.<\/p>\n<p>You only spent the money on personal needs and did not pay it back.\u00a0 If you join the debt settlement programs, the company will negotiate with your creditors, a portion of the debt may be reduced, and may settle your debt.<\/p>\n<p>If for instance, the creditor decreases your debt to $11000, it means that you will pay tax on this amount since the IRA considers $9000 as your income.<\/p>\n<h3>Is it feasible to seek debt reduction assistance without paying a fee?<\/h3>\n<p>Yes, there are a number of non-profit debt settlement and debt consolidation organizations that offer debt relief services and provide financial advice without any charges. There are also agencies that only charge a nominal fee for providing financial advice that most suits your situation.<\/p>\n<p>Again, be cautious when dealing with non-profit organizations to avoid getting scammed by people who are only there to take advantage of your situation.<\/p>\n<p>We\u2019ve heard reports of individuals being duped by sham non-profit debt consolidation and debt settlement companies, and this has been going on for years.<\/p>\n<p>These con artists frequently set up shop in the guise of a non-profit organization in order to entice naive clients by offering to provide free debt relief services. Once you enroll in their programs and expose your financial details, all forms of communication stop and they use your financial information for illegal activities.\u00a0 Before hiring a non-profit organization, ensure that it has a 501(c) (3) certification.<\/p>\n<h3>It is possible to get debt relief for student loans?<\/h3>\n<p>There are programs by the federal government for those who want to get student loan debt relief. These programs include;<\/p>\n<ul>\n<li>Federal student debt\u00a0consolidation<\/li>\n<li>Income-driven repayment plans (monthly payment)<\/li>\n<li>Public service loan forgiveness<\/li>\n<li>Teacher loan forgiveness<\/li>\n<li>Deal discharge<\/li>\n<li>Perkins loan cancellation<\/li>\n<li>Closed school discharge<\/li>\n<\/ul>\n<h3>How can I get debt tax relief?<\/h3>\n<p>If you fail to pay your taxes, the IRS has the right to seize your assets. It is therefore important to get tax debt relief before things get out of hand.\u00a0 Some of the available options include;<\/p>\n<ul>\n<li>Bankruptcy<\/li>\n<li>Installment agreement<\/li>\n<li>Offer in compromise<\/li>\n<li>IRS forgiveness program<\/li>\n<\/ul>\n<h3>A real-life example of how debt relief works?<\/h3>\n<p>My wife and I have accumulated slightly over $30,000 in credit card debts. I earn a monthly income of $900. Which is the best debt relief method for my case? Is bankruptcy an option?<\/p>\n<p>The best solution from BFN:<\/p>\n<p>Filing for bankruptcy should be the last option when it comes to getting credit card debt relief.<\/p>\n<p>This is because a bankruptcy entry can stay in your credit report for up to 10 years which can be a major hindrance to achieving financial freedom. Instead, consider other ways like joining a debt settlement program that can reduce the amount you owe.<\/p>\n<p>BFN can help decrease the debt at a manageable fee. In addition, our debt consolidation program will assist you in repaying your existing debts at a lesser interest rate and with more manageable monthly payments.<\/p>\n<h3>How can I find debt relief services near me?<\/h3>\n<p>The best place to find reputable debt relief companies near me is through an online search.<\/p>\n<ul>\n<li>Use the keyword debt relief near me and you will get a wide range of companies offering debt relief services in your location.<\/li>\n<li>\u00a0\u00a0Ensure that you go through the reviews as well as past client testimonials for each company before picking one that suits you best.<\/li>\n<li>\u00a0If possible, call the companies directly and inquire about the types of programs offered, the fee structure, and whether they have a privacy policy in order to make an informed decision.<\/li>\n<\/ul>\n<h3>Which types of questions can I ask a debt relief counselor?<\/h3>\n<p>There are critical questions to ask even before engaging with a particular debt relief provider. This is especially if you\u2019d want to prevent scammers. Some of these questions include;<\/p>\n<ul>\n<li>For how long should I enroll in this program in order to be debt-free?<\/li>\n<li>Which solutions do you offer for credit card debts?<\/li>\n<li>What are your fee charges?<\/li>\n<li>Are you certified or accredited<\/li>\n<li>Do your services include free budget counseling?<\/li>\n<li>Do you adhere to the FTC regulations?<\/li>\n<li>Is it possible for me to keep track of my progress?<\/li>\n<li>What happens if I don\u2019t finish the course?<\/li>\n<li>Do you also provide free debt relief advice?<\/li>\n<\/ul>\n<h3>How can I find the best debt relief company?<\/h3>\n<p>There are different strategies you can use to ensure that you are working with the right guys. These include the following;<\/p>\n<ul>\n<li>Check how long the company has been in the industry<\/li>\n<li>Go through the company\u2019s reviews and success stories<\/li>\n<li>Confirm whether the company has a refund policy<\/li>\n<li>Check whether the company is licensed<\/li>\n<li>Compare the fees charged by the company to other debt relief companies<\/li>\n<li>Check whether the company follows FTC rules and guidelines<\/li>\n<li>Confirm whether the company has a privacy policy<\/li>\n<li>Makes collection calls and lawsuits<\/li>\n<\/ul>\n<h3>Tags<\/h3>\n<ul>\n<li>American fair credit council<\/li>\n<li>freedom debt relief<\/li>\n<li>united states<\/li>\n<li>better business bureau<\/li>\n<li>federal trade commission<\/li>\n<li>balance transfer credit cards<\/li>\n<li>debts for less<\/li>\n<li>damage to your credit<\/li>\n<li>hurt your credit and damage your credit<\/li>\n<li>unsecured debt<\/li>\n<\/ul>\n<div class=\"abh_box abh_box_down abh_box_business\">\n<div class=\"abh_tab_content\">\n<section class=\"vcard author abh_about_tab abh_tab\" itemscope itemprop=\"author\" itemtype=\"http:\/\/schema.org\/Person\" readability=\"4.1447368421053\">\n<div class=\"abh_image\" itemscope itemtype=\"http:\/\/schema.org\/ImageObject\"> <noscript><\/noscript> <\/div>\n<div class=\"abh_text\" readability=\"35.921052631579\">\n<p>Jason writes about all financial topics such as loans, debt solutions, and bankruptcy. He is an expert when it comes to subjects like APR, loan fine print, debt collection laws within the United States. With his in-depth\u00a0knowledge of all things financial, he is a great asset to Greendayonline.<\/p>\n<\/div>\n<\/section>\n<section class=\"abh_posts_tab abh_tab\">\n<div class=\"abh_image\"><noscript><\/noscript><\/div>\n<div class=\"abh_text\" readability=\"11.050925925926\">\n<div class=\"abh_name\" readability=\"5.7435897435897\">Latest posts by Jason Rathman <span class=\"abh_allposts\">(see all)<\/span><\/div>\n<\/div>\n<\/section>\n<\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The number of people who are battling debt is enormous. Once you enroll in debt and do not take the responsibility to pay it back on time, expect risky settlements. By the year 2018, consumer debt had grown to a staggering $3.9 trillion, an increase of over 7.5 percent over the previous year 2017. In<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[4],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>payday loan relief reviews - Business Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessfinancenews.com\/loans\/payday-loan-relief-reviews-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"payday loan relief reviews - Business Finance\" \/>\n<meta property=\"og:description\" content=\"The number of people who are battling debt is enormous. Once you enroll in debt and do not take the responsibility to pay it back on time, expect risky settlements. By the year 2018, consumer debt had grown to a staggering $3.9 trillion, an increase of over 7.5 percent over the previous year 2017. 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I am now living in the United States. I have a house in Ontario, but I actually never go.\u00a0 I wrote some books about sovereign debt, and mortgage loans. I am currently retired and dedicate most of my time to fishing. There were many topics in personal finances that have currently changed and other that I have never published before. So now in Business Finance, I found the opportunity to do so. Please let me know in the comments section which are your thoughts. 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