ELIMINATE YOUR CREDIT CARD DEBT ELIMINATE YOUR CREDIT CARD DEBT WITH DEBT SETTLEMENTWITH DEBT SETTLEMENT

First Rate Debt Solutions is committed to helping you get out of debt. First Rate Debt Solutions is committed to helping you get out of debt. Our Debt Settlement Program is the best solution for consumers Our Debt Settlement Program is the best solution for consumers struggling with unmanageable debt. struggling with unmanageable debt.

Our program is simple and proven effective for thousands of Our program is simple and proven effective for thousands of Americans just like you. Debt settlement will help you reduce your Americans just like you. Debt settlement will help you reduce your credit card and any other unsecured debt that you have. Debt credit card and any other unsecured debt that you have. Debt Settlement is the fastest, most effective way to get out of debt!Settlement is the fastest, most effective way to get out of debt!

First Rate Debt Solutions negotiates your debt balance and your First Rate Debt Solutions negotiates your debt balance and your monthly payments dramatically lower than what you currently owe. monthly payments dramatically lower than what you currently owe. You are in control of how much you pay and how quickly you become You are in control of how much you pay and how quickly you become debt free. We negotiate with creditors to settle and pay off your debt free. We negotiate with creditors to settle and pay off your unsecured debt, helping you save between 50-75% of your current unsecured debt, helping you save between 50-75% of your current balance.balance.

Your goal will be to save the most money possible and to be Your goal will be to save the most money possible and to be debt freedebt free in the shortest amount of time. Our goal is to help you get there. We in the shortest amount of time. Our goal is to help you get there. We don't work for the credit card company, we work for you!don't work for the credit card company, we work for you!

Why Choose Our Program?Why Choose Our Program? Our Debt Settlement Program Our Debt Settlement Program

will help you save more will help you save more money than Consumer Credit money than Consumer Credit Counseling while protecting Counseling while protecting you from the harsh impacts of you from the harsh impacts of bankruptcy. bankruptcy.

First Rate Debt Solutions has First Rate Debt Solutions has proven results. Contact us for proven results. Contact us for a free evaluation to see how a free evaluation to see how much you can save and how much you can save and how our program can help you to our program can help you to get out of debt!get out of debt!

Compare your Debt Relief OptionsCompare your Debt Relief Options

Debt Settlement vs. BankruptcyDebt Settlement vs. Bankruptcy Debt Settlement vs. Consumer Credit Debt Settlement vs. Consumer Credit

CounselingCounseling Debt Settlement vs. Debt ConsolidationDebt Settlement vs. Debt Consolidation

Bankruptcy vs. Debt SettlementBankruptcy vs. Debt Settlement BankruptcyBankruptcy should always be viewed as your last resort. In a should always be viewed as your last resort. In a

Chapter 7 bankruptcy, you petition the court to erase all your Chapter 7 bankruptcy, you petition the court to erase all your debts but you must turn over all your non-exempt property to debts but you must turn over all your non-exempt property to the court-appointed trustee, who sells your property to repay the court-appointed trustee, who sells your property to repay your creditors. In a Chapter 13 bankruptcy, you set up a court-your creditors. In a Chapter 13 bankruptcy, you set up a court-approved plan to repay your debts. The court determines your approved plan to repay your debts. The court determines your monthly disposable income and you pay that amount to a court monthly disposable income and you pay that amount to a court appointed trustee who distributes it to your creditors for up to 5 appointed trustee who distributes it to your creditors for up to 5 years. Both of these options will negatively impact your credit years. Both of these options will negatively impact your credit scores for many years making it very difficult to obtain any new scores for many years making it very difficult to obtain any new credit even after your debts are satisfied. Having a bankruptcy credit even after your debts are satisfied. Having a bankruptcy on your permanent record can even prevent you from getting a on your permanent record can even prevent you from getting a job. For all of these reasons, it is in your best interest to avoid job. For all of these reasons, it is in your best interest to avoid bankruptcy if at all possible. bankruptcy if at all possible.

Bankruptcy vs. Debt SettlementBankruptcy vs. Debt Settlement

Debt Settlement Debt Settlement only impacts your credit scores while you are only impacts your credit scores while you are in the program which is typically a lot less time than it takes to in the program which is typically a lot less time than it takes to satisfy a bankruptcy judgment. When you are in a Debt satisfy a bankruptcy judgment. When you are in a Debt Settlement or Debt Relief program, you control the monthly Settlement or Debt Relief program, you control the monthly payments and you decide how quickly you want to get out of payments and you decide how quickly you want to get out of debt. The only disadvantage is that Debt Settlement cannot debt. The only disadvantage is that Debt Settlement cannot reduce or eliminate debt you owe on secured assets like your reduce or eliminate debt you owe on secured assets like your house or car. house or car.

Debt Settlement Debt Settlement is the best way to satisfy your debts and avoid is the best way to satisfy your debts and avoid bankruptcy.bankruptcy.

Consumer Credit Counseling Consumer Credit Counseling vs. Debt Settlementvs. Debt Settlement

Consumer Credit Counseling Consumer Credit Counseling can also help consumers with can also help consumers with debt relief. During the process, a client can have their interest debt relief. During the process, a client can have their interest rates reduced and be debt free in 5-7 years. In most cases, the rates reduced and be debt free in 5-7 years. In most cases, the client will send their monthly payment directly to the credit client will send their monthly payment directly to the credit counseling firm who then distributes that payment to the counseling firm who then distributes that payment to the creditors. The program takes much longer than Debt Settlement creditors. The program takes much longer than Debt Settlement and in many cases, the payments are not any lower than what and in many cases, the payments are not any lower than what you are paying now. A large percentage of clients drop out of you are paying now. A large percentage of clients drop out of credit counseling programs because they are difficult to stick credit counseling programs because they are difficult to stick with over time. Consumers should also be aware that many with over time. Consumers should also be aware that many consumer credit counseling firms are funded by creditors and consumer credit counseling firms are funded by creditors and credit card companies which means they are ultimately working credit card companies which means they are ultimately working for the creditor and not you.for the creditor and not you.

Consumer Credit Counseling Consumer Credit Counseling vs. Debt Settlementvs. Debt Settlement

Debt Settlement Debt Settlement gives you more control over your money gives you more control over your money than consumer credit counseling. You will be in the program less than consumer credit counseling. You will be in the program less time and save thousands of dollars in payments and interest. time and save thousands of dollars in payments and interest. The affects to your credit are similar in both programs, but The affects to your credit are similar in both programs, but credit counseling enrollment can show up on your credit report credit counseling enrollment can show up on your credit report which will negatively impact any ability to apply for loans or which will negatively impact any ability to apply for loans or credit. Debt Settlement does not show up on your credit report, credit. Debt Settlement does not show up on your credit report, it only affects your rating depending on how far behind you are it only affects your rating depending on how far behind you are in payments.in payments.

Debt Consolidation vs. Debt Consolidation vs. Debt SettlementDebt Settlement

Debt Consolidation Debt Consolidation can come in two forms: secured and can come in two forms: secured and unsecured loans. An example of a secured debt consolidation unsecured loans. An example of a secured debt consolidation loan would be a home equity loan or line of credit (second loan would be a home equity loan or line of credit (second mortgage) against the equity in your home. This was a popular mortgage) against the equity in your home. This was a popular solution during the housing boom but with housing prices solution during the housing boom but with housing prices declining and loan guidelines tightening; these loans are much declining and loan guidelines tightening; these loans are much harder to obtain. The advantage can be amortizing the payments harder to obtain. The advantage can be amortizing the payments over a long period of time but this does not decrease the amount over a long period of time but this does not decrease the amount you owe and it can increase the amount you will pay over time. you owe and it can increase the amount you will pay over time. An unsecured loan will allow the consumer to bundle their debts An unsecured loan will allow the consumer to bundle their debts into one easy payment but the interest rate is typically very high into one easy payment but the interest rate is typically very high and it can take a long time to pay it off not providing any real and it can take a long time to pay it off not providing any real debt relief.debt relief.

Debt Consolidation vs. Debt Consolidation vs. Debt SettlementDebt Settlement

Debt Settlement Debt Settlement reduces the amount you owe (principle) reduces the amount you owe (principle) and the amount you would pay (principle & interest) if you and the amount you would pay (principle & interest) if you amortized the debt over 25-30 years. This is a tremendous amortized the debt over 25-30 years. This is a tremendous savings over time and actually decreases the amount of savings over time and actually decreases the amount of debt you owe rather than adding another long-term loan to debt you owe rather than adding another long-term loan to pay off. pay off.

Debt Settlement Debt Settlement is the most effective type of debt relief if is the most effective type of debt relief if you want to save money and eliminate debt fast.you want to save money and eliminate debt fast.

The Best Debt Relief – The Best Debt Relief – Debt SettlementDebt Settlement

If your current path has not successfully led you to the goals If your current path has not successfully led you to the goals you wish to achieve, then it's time to choose a different path. you wish to achieve, then it's time to choose a different path. We can help you lower your payments and become debt We can help you lower your payments and become debt free! free!

If continuing to make the minimum monthly payments If continuing to make the minimum monthly payments month after month has failed to help you get out of debt, month after month has failed to help you get out of debt, then it's time for a change! Simply put, making minimum then it's time for a change! Simply put, making minimum monthly payments can take 20-30 years to pay back and monthly payments can take 20-30 years to pay back and cost thousands of dollars in interest alone. It may actually cost thousands of dollars in interest alone. It may actually put your farther into debt and you may not be able to avoid put your farther into debt and you may not be able to avoid bankruptcy if that happens.bankruptcy if that happens.

How Much Do You Really Owe?How Much Do You Really Owe?Debt Amount Pay Back (Including Principle and

Interest) How Long Will It Take

$10,000 $26,276.59 42 Years, 9 Months

$15,000 $55,370.41 48 Years, 11 Months

$20,000 $74,464.22 53 Years, 3 Months

$25,000 $93,557.98 56 Years, 7 Months

$30,000 $112,651.77 59 Years, 4 Months

$35,000 $131,745.58 61 Years, 8 Months

$40,000 $150,839.39 63 Years, 9 Months

$50,000 $189,027.02 67 Years, 1 Months

$60,000 $227,214.61 69 Years, 10 Months

$70,000 $265,403.22 72 Years, 2 Months

$80,000 $303,589.81 74 Years, 2 Months

$90,000 $341,777.43 76 Years

$100,000 $379,965.06 77 Years, 9 Months

$110,000 $418,152.62 79 Years

$120,000 $456,340.27 80 Years, 4 Months

$130,000 $494,527.82 81 Years, 6 Months

$140,000 $532,714.48 82 Years, 8 Months

$150,000 $570,903.04 83 Years, 8 Months

What is Debt Settlement?What is Debt Settlement?

Debt Settlement or Debt Negotiation is an aggressive approach Debt Settlement or Debt Negotiation is an aggressive approach to debt reduction, which is effective for people with a serious to debt reduction, which is effective for people with a serious amount of debt or who might be considering bankruptcy. Our amount of debt or who might be considering bankruptcy. Our debt settlement company negotiates directly with the creditors debt settlement company negotiates directly with the creditors to settle your debt for a lower amount than owed while you save to settle your debt for a lower amount than owed while you save your money in a trust account for a lump-sum settlement your money in a trust account for a lump-sum settlement payment. Our negotiation team has years of experience and we payment. Our negotiation team has years of experience and we know how (and when) to get the best settlements for you. know how (and when) to get the best settlements for you.

Debt Settlement is the best way to get out of debt in the shortest Debt Settlement is the best way to get out of debt in the shortest amount of time and with the least amount of money. amount of time and with the least amount of money.

Who qualifies for the Who qualifies for the First Rate Debt Solutions program?First Rate Debt Solutions program?

Do you have at least $10,000 in unsecured debt?Do you have at least $10,000 in unsecured debt? Are you living paycheck to paycheck?Are you living paycheck to paycheck? Are your expenses exceeding your income?Are your expenses exceeding your income? Have you been making the minimum payments because that's Have you been making the minimum payments because that's

all you can afford? all you can afford? Do you worry about how much you owe?Do you worry about how much you owe? Are you receiving calls or letters from your creditors?Are you receiving calls or letters from your creditors? Are your credit cards near their limit?Are your credit cards near their limit? Are you considering filing Bankruptcy?Are you considering filing Bankruptcy? Are you ready to rid your life of the financial stress? Are you ready to rid your life of the financial stress?

If you answered If you answered YESYES to any of these questions, to any of these questions, you could be headed for serious financial trouble.you could be headed for serious financial trouble.

We can help you…We can help you…

Save thousands of dollars and years of payments Save thousands of dollars and years of payments Reduce your monthly payment as much as 50% Reduce your monthly payment as much as 50% Pay off your debt in 12-36 months Pay off your debt in 12-36 months Make one easy fixed monthly payment Make one easy fixed monthly payment Increase your cash flow Increase your cash flow Stop harassing collection calls Stop harassing collection calls Reduce your balances legally and ethically by up to 75% Reduce your balances legally and ethically by up to 75% Gain control of your financial future Gain control of your financial future Put money back in your pocketPut money back in your pocket

The First Rate Debt Solutions DifferenceThe First Rate Debt Solutions Difference

First Rate Debt Solutions strives to give our customers the best First Rate Debt Solutions strives to give our customers the best customer service in the industry. We provide a confidential, proven customer service in the industry. We provide a confidential, proven program for consumers that are serious about getting out of debt. program for consumers that are serious about getting out of debt.

Our goal is to empower consumers with honest and realistic Our goal is to empower consumers with honest and realistic alternatives to bankruptcy through our personalized and proven debt alternatives to bankruptcy through our personalized and proven debt settlement program. An individual's financial situation can easily be settlement program. An individual's financial situation can easily be destroyed by loss of employment, a death in the family, unexpected destroyed by loss of employment, a death in the family, unexpected circumstances, or a few bad choices. But that can all be remedied with circumstances, or a few bad choices. But that can all be remedied with the right solution. the right solution.

At First Rate Debt Solutions, we are committed to helping our clients At First Rate Debt Solutions, we are committed to helping our clients avoid bankruptcyavoid bankruptcy. We want to see you get out of debt and back on the . We want to see you get out of debt and back on the road to financial freedom. road to financial freedom.

Our Consultants Our Consultants

First Rate Debt Solutions has already helped people just like you regain First Rate Debt Solutions has already helped people just like you regain control of their finances and get out of debt. Our consultants will help control of their finances and get out of debt. Our consultants will help you analyze your financial situation and determine the best way to get you analyze your financial situation and determine the best way to get you out of debt. We will devise a customized debt solution plan that you out of debt. We will devise a customized debt solution plan that works for you and your family.works for you and your family.

We help eliminate hundreds of thousands of dollars of debt every We help eliminate hundreds of thousands of dollars of debt every single week and it's easier than you think. First Rate Debt Solutions has single week and it's easier than you think. First Rate Debt Solutions has helped others to eliminate debt and we can help you too.helped others to eliminate debt and we can help you too.

First Rate Debt Solutions is committed to helping financially distressed First Rate Debt Solutions is committed to helping financially distressed individuals and families pay off their debts and achieve the financial individuals and families pay off their debts and achieve the financial independence they desire. independence they desire.

You can be Debt Free!You can be Debt Free! We have a proven track record with many satisfied clients. We have a proven track record with many satisfied clients.

Our debt settlement program will save you thousands of Our debt settlement program will save you thousands of dollars in high interest payments that you can't afford. We dollars in high interest payments that you can't afford. We give you the tools and the ability to pay off your debts faster give you the tools and the ability to pay off your debts faster and for much less than you originally owed. and for much less than you originally owed.

Call now or sign up today Call now or sign up today for a free evaluation to find out for a free evaluation to find out how you can eliminate debt and get your finances back under how you can eliminate debt and get your finances back under control. control.

You have nothing to lose but your debt!You have nothing to lose but your debt!

(877) 332-8730(877) 332-8730