Stone Mountain Group

read moreEstablished in 1998, Superior Debt Services is a debt relief company committed to helping consumers lower their credit card debt while simultaneously showing them how to develop healthy financial habits. We are an honest company with a unique 'rebel' side devoted to fighting for the consumer and advocating for your rights. We are one of few companies that lobby Congress for consumer advocacy legislation. We've worked with the FTC to help regulate unscrupulous settlement companies. Our experience and expertise allow us to time and propose our negotiations in a manner that gets the best settlement rates for you.

read moreDebt Settlement With this approach, negotiations are made with a credit card company in efforts to reduce the total amount of debt owed. With this forceful method of credit card debt relief there are many important advantages. Many consumers are able to significantly lower the total amount owed while paying off debt in 12-36 months. Making only minimum payments is not an effective way to get rid of large amounts of debt. Debt settlement clients notice a drastic reduction in their monthly payments as compared to monthly payments made to creditors.

read moreBecause debt collectors regularly violate the Fair Debt Collections Practices Act (FDCPA), it is imperative that consumers understand their rights under the FDCPA. Here is a brief summary what the FDCPA is, and some basic protections that it offers consumers. As with anything, the more you understand, the better equipped you are against deception. So read up and arm your mind against unscrupulous debt collectors. The FDCPA, formally known as the Fair Debt Collections Practices Act, is a US Federal law that defines acceptable behavior of debt collection agencies and controls abusive tactics they may employ.

read moreDebt consolidaton is a rather ubiquitous term, and the possible definitions for "debt consolidation" have grown tremendously in only the last few years. In the most traditional sense, it means getting one loan to pay back many loans. The goal is to simplify or lower interest rates. Unfortunately, getting a loan with bad credit or high debt to income ratio is very difficult these days. So the forms of consolidation have grown. This page is to designed to go over the main forms of consolidation in order to help you decide which is best suited for you.

read moreDebt counseling, also known as credit counseling or management, is a form of consolidation where all of your accounts are paid with one monthly payment; however, this is not a loan. Generally non-profit, Consumer Credit Counseling agencies offer the Debt Management plans (DMP) to help consumers who are facing financial troubles. A DMP is a kind of debt consolidation program that concentrates on lowering the interest rates on your credit cards, fills out all the paperwork and writes letters to alert the creditors to rework the payment plans, and then, distributes all the monthly payments to each of the creditors.

read moreIf you are seriously sick, chances are you will seek a doctor for relief. A wise doctor will not only treat your symptoms, but will get to the root of the problem, eliminating it completely. It's no secret that a growing number of Americans are seriously financially sick, with unforeseen circumstances and heavy loads piling up to no end. If this sounds all too familiar, you are in need of effective relief- a solution that is more than a cure for the day to day stress of excessive debt, but also encourages healthier spending habits.

read moreGetting out of a financial crisis is not easy, and finding the best solution for your situation can be overwhelming. There are many different settlements schemes and consolidation programs available to pay off your balances. Obviously, there are options for debt relief besides the drastic action of filing bankruptcy. Settlement is one of the most practical debt relief methods available. When done correctly, a settlement program can reduce your unsecured debt by 50% or more. While it is possible to pursue negotiations yourself, the process usually begins with enrollment in a debt settlement company.

read moreIt is important to Superior Debt Relief that you are actually in need of debt relief. This means that if you are not overextended and can pay back the balance without help, then Superior Debt Relief is probably not the best option for you. The majority of our clients are in need of relief due to financial or other life hardships. Hardship is broadly defined, and it deals with a variety of financially disastrous events ranging from divorce and job loss, to injury and crushing medical bills. Hardship also includes anything that may have caused a consumer to accumulate high credit card balances without the ability to pay them back.