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Frequently Asked Questions
Where do I begin?
Unfortunately due to unforeseen circumstances, you became late
in your credit card payments. Even though you had always paid on
time, you miss one payment and your bank raises your interest
rate. This makes it even harder for you to make the minimum
payments. You're wondering if there is a way out. What do
you do? What choices do you have?
The first thing you need to do is a budget analysis. The only
way you will truly know where you stand is to take your monthly
net income and minus all of your expenses and bills. This will
help you to see what choices you have available. You will have
to make some tough decisions on cutting some of your monthly
expenses.
Which is the right choice for me?
Everyone's situation will vary and it will be up to you based on
your income and expenses. You can only determine when you want
to get out of your debt problems. Sometimes it's better to start
now than never. Please take a moment to review your
5 choices.
How do I get
started?
The first thing you will need to do is call us. One of our
friendly Account Managers will help you to review your choices
and review the options you have. Once we determine which
is a viable option for you, it is your choice to enroll in our
program. Once you've enrolled, you will receive valuable
information on how to deal with the creditors and what you need
to do.
How
do I compare other debt settlement companies?
There are many good debt settlement companies. Most of
these companies want to do what's best for you. At the
same time, it is important for you to do your due diligence.
Please try to avoid those who offer you the debt settlement
services without reviewing your monthly financial analysis.
A good debt settlement company will not want to put you in more
debts.
What
is the cost of starting my service?
Most companies charge different fees than others. It is
your choice to shop and see who will be the best to assist you
with your debt problems. The service you receive should be the
most important part in deciding who will assist you.
How
important is my credit or credit report?
Simply put, it is very important. Why is it? Your credit
report determines whether you can get a job, buy a car or even
find a place to live. If you don't have a 700+ fico score
right now, it is possible for you to get there someday.
You must come up with a plan. We can help you to get started by
paying off your debts.
Is
Bankruptcy a bad choice for me?
Bankruptcy is not always a bad thing depending on your
situation. However, we do recognize that some employers
will not hire a prospective employee with a bankruptcy record.
In addition, in 2005
Bankruptcy Abuse Prevention and Consumer Protection Act
passed into law that makes it harder for many people to qualify
to BK Chapter 7. Please consult with a bankruptcy attorney
to see if you qualify. This is why we have two options for you,
a Debt Settlement savings program and
Credit Counseling Debt
Management plan.
What
information must I provide?
Before we can approve you with our program, we will need your
specific information on who you owe money to and to know the
current status. This will help us to assist you in which choices
you have available. Our underwriting approval process with our
debt negotiators will help you to know that an expert will give
you the best assistance.
Can I do this on
my own?
The answer is very simple, yes. Just because I have a
kitchen in my home and I can go to a market to buy the
ingredients to cook a meal, it does not mean that I am a chef.
So yes you can try to do this on your own and spend many hours researching how you can do this on your own or allow NationsCredit to
assist you. This is why we have the 5 Step Certified Plan set in place to
help you in the best way we can so you don't have to burn the
kitchen down trying to do what we already know how to do. We are
the Iron Chef when it comes to your debt problems! So why spend
the time only to get more frustrated when we can take care of
everything so you can enjoy your time with your family and start
enjoying your life again.
How
long does the whole process take?
As previously mentioned, it took you several years to get in a
debt problem. It will take you as long as you are
committed in staying in our program to payoff your debts. Our
program allows you to be flexible. This might make it
longer for you or shorter depending on how committed you are to
staying with your monthly savings in paying off your debts.
Who
will see my information?
The only people who will see your information are those directly
involved in assisting you with your program. We do not sell/give
your information away to anyone or any other company. All of our
clients information is secured through our servers.
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Fact #1
Our 5 Step Certified Plan will help you to payoff your credit faster with a lower monthly payment than your current situation.
Fact #2
Bankruptcy is not the only choice you have. You actually have 5 choices that we would be happy to share with you.
Fact #3
As a consumer, you have rights! Do not let the collection agencies push you around. Take control of your debts with NationsCredit's 5 Step Certified Plan.
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NationsCredit Solutions, Inc.
5868 Owens Ave, Ste 250
Carlsbad, CA 92008
800-261-1211
Customer Service
866-234-1774
Hours of Operation
Monday - Friday
7:00 a.m. - 6:00 p.m. PST
Saturday
9:30 a.m. - 1:00 p.m. PST
Closed on Sunday
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