Best Fort Myers Debt Relief Specialists (2024)

If you are facing overwhelming merchant debt, utility bills, credit card debt, or are seeing the warning signs of financial hardship, don’t suffer alone!

Best Fort Myers Debt Relief Specialists (1)With over $1 Billion in settled debt, our debt consolidation and negotiation experts know exactly what it takes to put you on the path toward financial freedom. We develop personalized debt relief solutions that work for you, tailored to your needs, debt levels, and ability to pay. Reduce your debt and regain control of your life again with debt relief and debt settlement services by Optimal Debt Solutions.

Living with debt in Fort Myers can be stressful. Not only do you have the pressure of trying to make ends meet, but when things don’t come together, that’s when the calls start. Harassment by credit and debt collection agencies doesn’t make the process any easier.

We not only help you reduce your debt obligation, we help to reduce creditor calls through strategic partnerships we have made. We believe that everyone deserves to be treated with respect, especially those who are taking the steps necessary to regain their financial freedom.

Our process begins with a free, no-obligation evaluation of your debt. Our Certified Debt Specialists review your financial situation and discuss what options there are available to you for effective debt elimination, debt consolidation, or debt reduction.

Call Optimal Debt Solutions today at (561) 475-5788 for your Free Evaluation!

Dramatically Reduce Your Debt

Being in debt doesn’t mean that you are irresponsible or bad at “adulting”. There are many reasons why people of many ages can find themselves facing a huge stack of bills they can’t pay.

Best Fort Myers Debt Relief Specialists (2)Medical issues, job loss, personal loss, mental health issues, poor investment performance, or even just bad advice can leave you in financial hardship, unable to meet your payment obligations.

The average credit card debt in Fort Myers is higher than the national average, ranked 12th in the nation for highest average debt in 2018. Our debt settlement program helps you get out from under your bad debt.

Our debt specialists assist with negotiating and reducing your overall debt amount, including:

  • Credit Card Debt
  • Unsecured Loans
  • Department Store Cards
  • Medical Bills
  • Collections Accounts
  • Payday Loans
  • Repossessions

When facing debt collection, you need a dedicated expert on your side. At Optimal Debt Solutions, we review your personal financial situation free of charge. We look at the debt amount, your income and ability to pay, and discuss the best options for negotiating your debt to a manageable level.

We help you dramatically reduce your debt by up to 60% or more through strategic debt negotiations to achieve the best settlement opportunities for you.

Debt Settlement Vs. Debt Consolidation

Not all debt management companies and debt relief programs are created equal. There are several different solutions for managing debt. Our experience and research shows that the most effective method for reducing debt is through debt settlement.

Best Fort Myers Debt Relief Specialists (3)

Credit debt consolidation in Fort Myers and credit counseling can help to dramatically reduce your payments versus a standard repayment plan for most debts. Credit card consolidation programs consist of taking various debt sources and combining them into a new loan with better terms, such as a reduced interest rate. The funds from the new loan will then be used to pay the previous credit accounts. However, debt consolidation loans only leave you with a new loan and new obligation, they do not negotiate better terms.

A credit counseling organization or credit counselor works with you by providing financial education to Fort Myers, FL residents through a debt relief program, such as helping you understand how you can budget your money to better meet your payment obligations.

However, with debt settlement, you can reduce your amount owed to creditors by up to 50%, as well as reduce the quantity and amount of individual payments and shorten the length of time before your debt is repaid compared to other debt relief options. This means that debt settlement both saves money and gets you out of debt faster. The sooner your creditors have been paid, the faster you can get back on track to living your life with reasonable expenses.

Effective Debt Relief Negotiation

Best Fort Myers Debt Relief Specialists (4)When looking for an effective debt relief program, we have the right solution for you. The way our program works is to reduce your unsecured debts by directly contacting your creditors to negotiate settlements of your debts for amounts lower than your account balances. Our team consists of dedicated debt negotiation specialists who are experts in effectively reducing debt for our clients.

We have helped over 180,000 clients regain control over their finances, and we look forward to adding you to our success stories. We understand that your personal financial situation is unique. That is why our program is personalized to you, your debts, and what monthly payments you are able to make.

Our fees are included in your regular program deposits, so even with the cost of negotiation factored in, you may still see a substantial reduction in both monthly and total payments. We are dedicated to providing a 5-star experience to all of our clients, and will deliver a solution that meets your needs and lifestyle.

Fort Myers Debt Relief Company

Best Fort Myers Debt Relief Specialists (5)With work, family, and trying to make ends meet, you have enough to take care of. Let our Fort Myers debt settlement experts help you find relief from debt with effective debt settlement and negotiation strategies. When you need debt help, there is only one number to call- (561) 475-5788! As a dedicated Fort Myers debt settlement company, we will help you get relief and start living your life again.

Call Optimal Debt Solutions today at (561) 475-5788 for your Free Evaluation!

About Me: I am a seasoned expert in public speaking, communication, and speechwriting. With years of experience in the field, I have honed my skills through practical application and continuous learning. My expertise extends to various aspects of public speaking, including structuring speeches, managing speech anxiety, and delivering effective presentations. I have a deep understanding of the nuances involved in public speaking and am well-versed in the strategies for engaging and persuading audiences.

Public Speaking: Public speaking is a vital skill that involves face-to-face attempts to inform, persuade, or entertain a group of people through words, physical delivery, and visual or audio aids . It is essential to establish credibility with the audience and communicate the central idea effectively Organizing speeches is crucial for clarity of thought and to enhance the likelihood of the speech being effective . Additionally, managing speech anxiety is a key aspect of public speaking, involving strategies to overcome anxiety-producing scenarios and effectively manage pre-speech anxiety .

Speech Writing and Types of Speeches: When writing a speech, it is important to adopt a conversational tone, use short sentences, and avoid complicated sentence structures . Different methods of speech delivery, such as extemporaneous speaking, offer advantages like a more conversational tone and increased eye contact with the audience, but may also present challenges such as potential forgetfulness or disorder in note order.

Debt Relief and Debt Settlement: This article discusses debt consolidation and negotiation services offered by Optimal Debt Solutions. It emphasizes the importance of personalized debt relief solutions tailored to individual needs, debt levels, and ability to pay. The company aims to reduce debt and regain control of individuals' lives through strategic partnerships to reduce creditor calls. The process begins with a free, no-obligation evaluation of the individual's debt, followed by personalized debt negotiation to achieve substantial reductions in debt amounts.

Debt Settlement Vs. Debt Consolidation: The article highlights the differences between debt settlement and debt consolidation. While debt consolidation involves combining various debt sources into a new loan with better terms, debt settlement focuses on directly negotiating settlements of debts for amounts lower than the account balances. Debt settlement is presented as an effective method for reducing debt by up to 50% and shortening the time before debt repayment, ultimately leading to substantial savings and faster debt elimination.

In summary, the concepts covered in this article include public speaking, speech writing, types of speeches, methods of speech delivery, debt relief, debt settlement, and debt consolidation. If you have any specific questions or need further information on any of these topics, feel free to ask!

Best Fort Myers Debt Relief Specialists (2024)

FAQs

What is the best debt relief company to work with? ›

Summary: Best Debt Relief Companies of April 2024
CompanyForbes Advisor RatingBest For
National Debt Relief4.5Best for Fee Transparency
Pacific Debt Relief4.1Best for Established Track Record
Accredited Debt Relief4.0Best for Quick Resolution
Money Management International4.0Best Nonprofit for Debt Relief Help
3 more rows
Apr 1, 2024

Is it worth doing a debt relief program? ›

Debt relief will also often give you a fixed payment plan and a set payoff date, which can also make it worth considering — as streamlining your payments can make it easier to manage while helping you save money on interest. "One of the biggest advantages of going through a debt relief program is the savings.

How do I know if a debt relief company is legit? ›

They Ask for Fees Upfront

This is the most obvious sign of a debt relief scam. If the person/company offers to help get rid of your debt but first you have to pay them a fee, they're probably lying to you. Cut off contact and file a complaint with us.

What are the 3 biggest strategies for paying down debt? ›

What's the best way to pay off debt?
  • The snowball method. Pay the smallest debt as fast as possible. Pay minimums on all other debt. Then pay that extra toward the next largest debt. ...
  • Debt avalanche. Pay the largest or highest interest rate debt as fast as possible. Pay minimums on all other debt. ...
  • Debt consolidation.
Aug 8, 2023

Are there any legit debt relief programs? ›

Generally, experts recommend other debt help options first. But if you decide that debt settlement is right for you, consider National Debt Relief, New Era Debt Solutions, and Freedom Debt Relief first since these companies have the highest customer satisfaction scores.

What is the number one debt relief program? ›

Best overall: Money Management International

MMI has a stellar track record of counseling over 2.5 million people and repaying $10 billion in debt. In 2022 alone, MMI serviced over 46,000 debt management plans for their clients, which resulted in almost $193,000,000 worth of debt repayments.

What is the disadvantage of debt relief program? ›

Cons of debt settlement

Creditors are not legally required to settle for less than you owe. Stopping payments on your bills (as most debt relief companies suggest) will damage your credit score. Debt settlement companies can charge fees. If over $600 is settled, the IRS will view this debt as a taxable income.

Why not to do debt relief? ›

Working with a debt settlement company may lead to a creditor filing a debt collection lawsuit against you. Unless the debt settlement company settles all or most of your debts, the built-up penalties and fees on the unsettled debts may wipe out any savings the debt settlement company achieves on the debts it settles.

What is the downside of freedom debt relief? ›

How Will Freedom Debt Relief Affect My Credit? Debt relief can negatively affect credit scores because creditors typically aren't willing to negotiate until you're behind on payments. Payment history carries the most weight for FICO score calculations, so if you're paying late or not at all, your score can take a hit.

Is debt hardship relief legit? ›

The email claims to be from a government agency or organization that offers financial assistance to those in need. The email says you have been approved for financial support and to call a phone number to finish enrolling in the program. However, it is all fake.

How long does debt relief stay on your record? ›

Debt relief can be a lifeline to help you get out from under unaffordable debt—but it can also damage your credit. So, if you're considering a form of debt relief, you'll want to bear in mind its effect on your credit report, where the information can stay for up to 10 years.

Does debt relief destroy your credit? ›

However, this does not influence our evaluations. Debt relief won't hurt your credit alone. However, closing your oldest accounts can drastically lower your standing.

How to get rid of 30k in credit card debt? ›

How to Get Rid of $30k in Credit Card Debt
  1. Make a list of all your credit card debts.
  2. Make a budget.
  3. Create a strategy to pay down debt.
  4. Pay more than your minimum payment whenever possible.
  5. Set goals and timeline for repayment.
  6. Consolidate your debt.
  7. Implement a debt management plan.
Aug 4, 2023

How to pay off $8,000 in credit card debt? ›

To pay off $8,000 in credit card debt within 36 months, you will need to pay $290 per month, assuming an APR of 18%. You would incur $2,431 in interest charges during that time, but you could avoid much of this extra cost and pay off your debt faster by using a 0% APR balance transfer credit card.

What is a trick people use to pay off debt? ›

Once your highest interest rate account is paid off, focus on paying off your card with the next highest rate and continue to do so until all of your debts are paid off. This strategy, known as the debt avalanche payment method, could save you significant amounts of time and money in the long run.

Does debt relief hurt your credit? ›

Debt relief services may have a negative impact on your credit score, but that impact may not be as big as you think — and in some cases, it can help your credit. How these services impact your credit depends on the debt relief option you choose.

What's the worst a debt collector can do? ›

Even if you owe money, debt collectors aren't allowed to threaten, harass, or publicly shame you. You have the right to order a debt collector to stop contacting you, and they must comply. If there's a mistake, and you really don't owe the debt, you can take steps to remedy the error.

Are all debt relief companies the same? ›

Depending on the company and what services are offered, they may work with creditors to help you get out of debt for less than what you originally owed. Most debt relief companies charge a hefty fee for their services. However, like lenders and credit card issuers, each company offers different services.

Top Articles
Latest Posts
Article information

Author: Nicola Considine CPA

Last Updated:

Views: 6160

Rating: 4.9 / 5 (49 voted)

Reviews: 88% of readers found this page helpful

Author information

Name: Nicola Considine CPA

Birthday: 1993-02-26

Address: 3809 Clinton Inlet, East Aleisha, UT 46318-2392

Phone: +2681424145499

Job: Government Technician

Hobby: Calligraphy, Lego building, Worldbuilding, Shooting, Bird watching, Shopping, Cooking

Introduction: My name is Nicola Considine CPA, I am a determined, witty, powerful, brainy, open, smiling, proud person who loves writing and wants to share my knowledge and understanding with you.