Horizon Debt Group, LLC is a credit and Debt Negotiation firm that has helped many consumers overcome their unique financial challenges. We invite you to take advantage of the many resources Debt Negotiation Services has to offer starting with a free consultation with a Certified Credit Counselor.

We have partnered with a true national law firm. Our partners have law offices in Kentucky as well as all fifty states. Our professionals are dedicated to helping our clients in Kentucky resolve their debt problems. We provide Debt Negotiation Services in Kentucky KY and nationwide. We have a professional alliance with many of the nation’s most reputable Debt Negotiation Companies to assist our clients as advocates for their rights.

For years large corporate law firms have helped business clients solve their debt issues by negotiating “financial workouts” with their creditors allowing them to stay in business and work through difficult financial times in Kentucky KY. Horizon Debt Group, LLC and our preferred partners have created a cutting edge Kentucky Debt Negotiation Program to provide our clients with these same types of services in Kentucky allowing you and your family to focus on more important issues in your life. Like a security blanket, our partners provide all the law-related services you need in Kentucky to resolve your debt.

Many Kentucky KY Debt Negotiation Companies promise results and advertise exceptional settlements as commonplace. Horizon Debt Group Debt Negotiation is different. We have partnered with experienced attorneys and trained legal advocates. This is our guarantee to you: If we do not reduce your debt by at least 35% of what you owe, we will refund your fees for settling that particular debt and still resolve the debt on your behalf.

Kentucky Debt Negotiation Can Totally Eliminate Your Credit Card Debt!

Kentucky Credit Card Debt Negotiation Programs have become the answer for thousands of Americans. Managed correctly, a Kentucky Debt Negotiation Program can result in a very large savings. We have helped thousands of people in Kentucky solve their debt problems.

We understand what can and can't be accomplished when it comes to dealing with your creditors. Our highly trained Kentucky network of Debt Negotiation Counselors will help you through these uncertain times and stop the creditor harassment. We are dedicated to helping you live debt free!

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Your Options:

Do Nothing.

Unfortunately, This is not a good solution for Kentucky consumers. But it is an option. Choosing this means you must except the fact that you are going to continue paying thousands, many times tens of thousands of dollars in interest to the credit card companies with no hope of an end. This is referred to as the “credit card debt treadmill.” By paying only the minimum payments, it will take you an average of 40 years to pay off your credit card debt. You will pay out thousands of dollars a month only to have most of it go to interest. Your balances go nowhere for many years. Thousands of people in Kentucky rob Peter to pay Paul, which means you take cash advances from one credit card to pay another credit card company hoping that somehow you can get back on track. The results are always the same. You end up much deeper in debt with no end in sight.

Secure a Kentucky Debt Consolidation Loan.

The first problem with this option is you must have collateral for this to be a viable option at all. Many Americans will use the equity in their Kentucky home. This is called “debt shifting.” You are not reducing your debt at all, but only shifting it from a low-risk unsecured debt loan to a high-risk secured debt. Statistics show that a very high percentage of people in Kentucky who secure debt consolidation loans will be right back where they were in credit card debt in 5 years or less. The second time around there is an extra secured payment that must be made first otherwise they loose their Kentucky home. This situation has forced many consumers in Kentucky into bankruptcy and with bankruptcy, if you want to keep your Kentucky home you must pay the debt secured by the Kentucky home.

There are also unsecured debt consolidation loans available in Kentucky which require no collateral, but with the new highly regulation lending industry today, very few consumers in Kentucky applying for this type of loan are approved because of their current financial situation. Even if you have good credit, the new loan guidelines in Kentucky have a very strict debt to credit limit ratio. If your debt exceeds 50% of your credit limit you will not qualify for these loans. Even if your income is high enough to handle the payments, you will be denied.

Bankruptcy.

This should be considered an option of last resort. A bankruptcy in Kentucky KY will remain on your credit report for 10 years. Bankruptcy is also a matter of public record in Kentucky. Anyone with internet access can see the court records and the records will be available forever. You should also be aware that filing for bankruptcy means you must file in a Kentucky KY court. In certain types of bankruptcies, a court-appointed trustee controls and oversee your assets. The Bankruptcy Act of 2005 made significant changes in the bankruptcy law that has made it very difficult for most individuals in Kentucky to completely eliminate their debts. This means you are setup on a repayment plan ordered by the Kentucky court, which can be as long as 5 years. Bankruptcy in Kentucky is not the fresh start it once was!

Debt Negotiation.

Debt Negotiation has been a part of our history since Biblical times. Debt Negotiation is not a new practice and is sure to remain a part of our culture for as long as we have people borrowing money.

Most credit card companies if handled properly will accept a Debt Negotiation for far less than the debt owed. In almost all cases saving the consumer tens of thousands of dollars. The credit card companies are willing to accept a Debt Negotiation because they know if you file for bankruptcy in Kentucky, they will collect nothing! It is a "win win" situation. With a Kentucky Debt Negotiation Program you will be debt free in a fraction of the time you would if you continue to make the minimum payments. Bare in mind that as long as you are current with your credit card companies, they will expect payment in full. It is only after you fall behind will the credit card companies consider accepting a Debt Negotiation.

Everyone's financial situation is different. When dealing with the credit card companies to settle your debts, there are many factors that must be considered. Depending on your current situation, we may settle your debts for as little as 15 cents on the dollar. In some situations, some creditors my require as much as 60 cents on the dollar. This is when a professional Kentucky Debt Negotiation Company that deals with all the credit card companies on a daily basis will be able to determine what is a good Debt Negotiation and what is not.

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Or For Your Free No Obligation Consultation Call 888-894-0777.

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