fbpx

Advertorial   • 

The Secret To Getting Out Of Debt Without A Loan or Bankruptcy (Take This Quiz)

Helping hands with sunlight between two climbers

US consumers are learning they can settle their credit card debt for much less than they owe, as the so called 'Debt Hammer' program surges in popularity.

For Immediate Release - Consumer credit card debt has reached all-time highs and is causing problems for many ordinary Americans.  A recent report by Transunion showed that credit card debt is up 18% from last year, reaching levels of $931 billion.

Over 14 million Americans have over $10,000 in credit card debt, and with interest rates at records high, many struggle to keep up.

But, there's a little-known secret the credit card companies don't want you to know...

US Residents with high levels of credit card debt have the right to settle their debts for far less than the amount owed.

The Secret is Out

In the age of social media, nothing stays secret for long.

Americans are quickly learning that they can get rid of credit card debt, medical bills, personal loans and other types of unsecured debt using state-regulated debt relief programs.

If you are eligible, you can significantly reduce your debt without having to take out another loan or declare bankruptcy.  It's so effective, people are calling it "The Debt Hammer".

How do you know if you are eligible? You can use this simple quiz to check your eligibility.

Help for Everyday Working Americans

Many think this program is only for needy people, or that they have a moral obligation to pay back their debt no matter what.  This is 100% false - the program is designed for all US citizens and legal residents who have over $10,000 in credit card or unsecured debt.

  • On average, you can expect to reduce your balance by 47% before fees with this debt reset program.  When you include the interest you would have had to pay, the amount you save is actually much higher.
  • You could be debt free in as little as 12-48 months, depending on your personal situation.
  • Credit card companies get to claim debt they settle as a tax write off - so even when they lose, they still win.  The system is rigged in their favor, so don't feel bad for them when you are able to pay far less than owed.

How Does the Program Work?

This program is designed to eliminate as much credit card debt as possible by negotiating debt balances directly with credit card companies.  It's not a loan, so there is no interest, APR, or even a legal obligation to finish the program (though you'd be crazy not to).

With delinquencies on the rise, this program convinces credit card companies that they are better off writing off the debts and taking the tax writeoff than risking getting nothing at all.

This program is designed to save you the most money possible in both the short term and the long term

Additionally, some program participants become eligible for a Fresh Start loan, which helps accelerate the process even faster while building credit.

This program - known as the 'Debt Hammer' helped thousands of consumers reduce their debt by a large percentage, just by taking this simple quiz.

Find Out Instantly How Much You Can Save

You can get qualified and find out how much you can save for free. There's no obligation, and no upfront payment needed to get started. The best part is, once you get started, you're in.

THIS IS OUR LEGALLY MANDATED COMMUNICATION: Upon entering this website, I hereby acknowledge and comprehend the subsequent statements: * SmartPersonalFinance.org or its agents retain the right to communicate with me via email, phone, or SMS using the provided email address or number, including for promotional intentions. * Conversations involving the entity may be recorded or supervised for the sake of enhancing quality and training. * Individuals who successfully adhere to the program and resolve all outstanding debts generally achieve potential savings of around 50% before charges, or 25% inclusive of fees, over a span of 12 to 48 months. All assertions are founded upon registered debts. Not all debts qualify for registration. Not all participants conclude programs due to diverse factors, including their ability to accumulate adequate funds. Approximations are grounded in previous achievements, subject to deviation based on distinct circumstances. We do not ensure a specific reduction in your debts by a designated amount or percentage, nor do we guarantee your liberation from debt within a predefined timeframe. We do not undertake consumer debt, execute monthly payments to creditors, or supply services related to taxation, insolvency, accounting, or credit restoration. It is plausible, however, that our website may suggest credit restoration services. * SmartPersonalFinance.org does not serve as a legal firm, nor can it replace an advocate or legal entity. We do not dispense legal counsel, nor are we engaged in legal practice. This platform exclusively encompasses legal information, not legal guidance. Your employment of this platform does not spawn an attorney-client relationship. We assume no accountability for case outcomes, nor do we accept liability for any case ramifications. Utilization of our products is regulated by our designated Terms of Service and Privacy Policy. * Accessibility may be restricted in certain jurisdictions. I encourage you to liaise with a tax specialist to explore the tax implications of settlement. To gain further insight into insolvency, I recommend consulting a bankruptcy attorney. Depending on your residency, we might be capable of endorsing a local tax specialist and/or bankruptcy attorney. Prior to enrollment, it is prudent to peruse and grasp all program materials, including potential detriments to credit ratings. The entity and its affiliates are neither creditors, lenders, nor debt collectors. * SmartPersonalFinance.org does not bestow debt consolidation loans. * Throughout their careers, our representatives have extended aid to myriad consumers. Testimonials may be heavily edited or written to represent the experiences of customers,  representing individual viewpoints and may not encompass the totality of interactions with the entity or its affiliates