Are You Tired of Being Stuck In Debt?
Our affiliated debt resolution specialists have been helping people get debt free for nearly 20 years. Our specialists have provided relief to thousands of families across the U.S. If you need direction with your finances, you can feel confident that we have the solution.
We can help just about anyone
Our services can help individuals and businesses, regardless of their financial situation. Households in financial crisis, however, typically benefit the most. If you have $7,000 or more in unsecured debt or unpaid taxes, you may qualify for one of our resolution programs.
Get On The Path To Financial Freedom
By clicking “Get Free Quote” I consent to receive calls, emails, and text message offers/information from Bair & Associates. using an autodialer/pre-recorded message at the number I provided. I understand that msg/data rates may apply and that my consent to such communications is not a requirement for purchase.
HOW DEBT RELIEF WORKS
Our debt relief programs begin with a free consultation in order to determine the specific needs of the person seeking assistance. We will address remedial issues such as building a household budget, provide free financial resources & guidance, and then help you decide which course of action would be best to take.
If during the consultation, a debt settlement plan is found to be a workable solution, the following steps explain how the program works:
Debt settlement programs use a third party to negotiate lower balances and interest rates on unsecured debt. This type of debt management plan helps provide consumers an alternative to bankruptcy while reducing your outstanding debt.
Within our network we are able to lower your unsecured debt balances, provide one low monthly program payment, offer a great alternative to bankruptcy, or simply provide you with sound, knowledgeable advice. We are here to help!
Do you use a large or increasing portion of your monthly income to pay your debt? Ideally, you want to have no more than 20% of your monthly income applied to the debt.
Are you only able to make the minimum monthly payments towards your credit card or loan payments each month?
Do you divert money to pay for bills that were intended for other things?
Are you carrying high balances on your credit cards? Are they near or at their limits?
Do you have to use your savings to pay bills?
Have you been contacted by a debt collector or credit card company regarding delinquent accounts?
If you have an unexpected need like a doctor or dentist visit, would you have to put it off?
If you or your partner were to unexpectedly lose your income would you find yourself in financial trouble right away?
Are you currently, or have you considered, working a second job to get by?
Do you feel stressed or worried when thinking about money?