Submitted by: Jason Oswald

Most of us have debts and some of us may have debts that have gone delinquent and ended up in collections. Although delinquent credit card and other debts may seem like a nightmare to deal with especially if you are receiving harassing collection calls and letters demanding payment(s) in full.

You shouldnt worry if you have delinquent debts or youre receiving collection calls, there is a quick and easy way to get rid of those problems debts for pennies on the dollar.

Do-It-Yourself Debt settlement can help you eliminate your debts for a fraction of what you owe. Debt settlement is the process of negotiating a reduced pay-off (aka settlement) on credit card and unsecured debts such as medical bills, deficiency balances, utility bills etc. There are many companies that offer credit card debt settlement services, but most of them will charge huge, unnecessary fees for their help. They will lead you to believe you need their help, but the truth is, you dont. You can settle your own debts without paying someone a dime for their help!

DIY debt settlement is easy and convenient if you know how to do it. If you know how to present your case, if you know What to Say AND What NOT to Say, do-it-yourself settlement can be pretty simple and straightforward.

With do-it-yourself debt settlement, you do not have to be at the mercy of a debt settlement company and their expensive fees that could cost you thousands in fees. Most of these companies have a lot of clients to take care of. And if they have too many, they are likely to short-change you in terms of the time they put into handling your account and settling your debts for the lowest amount possible.

There is no better person than you to take your own interests to heart and act accordingly. With a little research, you can easily handle negotiations and successfully settle your accounts without having to pay for costly debt-settlement services.

Do-it-yourself debt settlement requires nothing more than learning the basic steps to successfully negotiate and settle your debts. Once you get a grasp of the basic principles and techniques of effective credit card debt settlement, you will get those collectors off your back sooner than you think.

You will find out that it is easy to negotiate and settle your accounts on your own, if you know how to go about it. The process need not be complicated or drawn out. All you have to do is follow a few simple steps.

Credit card debt elimination is not rocket science. With some expert advice from professionals who have helped thousands through the process successfully, you, too, can take things into your own hands and settle your debts on your own.

There are many advantages to do it yourself credit card debt settlement which may be the reason why more and more people are deciding to do it for themselves.

The great thing about the DIY Debt Settlement Approach, is it doesnt cost a ton of money, in fact for a fraction of what you would pay a debt settlement company, you can learn all the inside tricks and strategies to negotiate and settle your debts like the professionals without the cost. Some debt settlement companies charge as much as 25% of your debt amount or as much as 40% of what you save by settling. This is money you get to keep for yourself and apply towards getting yourself out of debt if you work out your debts on your own.

Creditors and debt collectors are usually very open to working with individuals who use the do-it-yourself debt settlement approach. They tend to take a hard-line stance when dealing with a debt-settlement company as they will have to compete with other creditors and likely to settle for a more drawn out battle and longer terms and in many cases they wont settle your debt because they know what these companies charge.

DIY credit card debt settlement is a strong motivation for getting your financial affairs in order. There are many reasons that cause debt problems. Some people may be in financial trouble because of conditions which are not entirely within their control (medical bills that pile up or the expenses incurred from losing someone you love). Some people incur debt problems by simply failing to keep track of their expenses and debts. When you decide to negotiate for yourself, you start looking at the financial picture a bit more clearly and realistically. This will motivate you to be practical and to spend within your means. Facing up to the situation is likely to do you good.

If you decide to go for do-it-yourself debt settlement, youll want to use a proven to work and effective debt elimination system that is easy to follow and implement. The system should also offer support in case you have any questions on how to handle various situations when dealing with debt collectors; solid support can mean the world of difference when attempting to deal with your debts with a DIY Debt Settlement Program. There are a lot of debt settlement programs, services, and information online but most of this information is bits and pieces of a large, complex puzzle with many missing pieces. There are a few programs that are complete and have everything you need to eliminate your cash draining debts for pennies on the dollar, such as the program that is available at This program includes a guide, workbook, audio, videos, and even support and is worth taking a look at.

About the Author: Jason Oswald, aka “The Debt Help Guy” has been involved with the credit, collection, and debt relief for over 17 years. He is the owner of National Debt Consultants, Inc., a national debt settlement service and has helped thousands eliminate their debts for mere pennies on the dollar while improving their credit and their lives. He is the creator of

Debt Elimination University

as well as a Do It Yourself Debt Settlement program that has helped countless individuals take control of their finances and debts, and allowed them to get their financial lives back on track.


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