Provanta Debt Options, My Debt Settlement Story

After searching awhile I found the program to work for me. The company's name is called PROVANTA. PROVANTA is a debt settlement solution for unsecure debt that you may have. These debts are credit cards, unsecured loans, or any type of debt that does not have callatoral. So what does PROVANTA. do? If you sign up with PROVANTA. , They will send you a debt settlement solution plan. This debt plan will break down all your unsecured debt and give you a lump sum of what you owe. Then Provanta will give a estimate as to what they could reduce this total debt to and make you a budget plan that fits your needs. My situation was I was paying around 700.00 a month in unsecured debt and they set me up on a budget plan were I paid them 400.00 a month for 2 years. So what happens next? PROVANTA. took my 400.00 and put it into a account and let it grow while they delt with the creditors.

This was my selling point. No longer having to deal with harassing creditors hounding me for money, calling me all hours of the day, my phone used to ring all day long it was great to have peace in my house. I turned it all over PROVANTA. and never had to deal with them again. On a occation I would get a random call and all I had to say was that they have dialed the wrong number and I could not speak to them they needed to speak to PROVANTA. at # and hang up. It was a great feeling to unload all that stress unto someone else. Trhoughout this story, you will see why I consider PROVANTA to be one of the best debt settlement companies out there.

So when my beautiful son decided to try to come 3 months early the doctors put me on bed rest so I ended up with a 6 month maturnity leave wich was not in my budget. I called PROVANTA. (with that dredful knot in my stomache thinking here we go again) to explain the situation they were kind and delightful and answered politely so what can you afford to send us today shonna? No judgements, no threats, no nothing. Just a simple what can we do to help? What can you afford? They were wonderful, they considered my situation first not thiers. They realized that my family was suffering. This is one of the reasons i consider them to be the best settlement company out there, they cared about us, my family, and our well being.

PROVANTA. settled my 19,000 debt down to about 7,000 in just a little over 2 years. I would recommend this program to anyone listening. Provanta helped me in a great time of need and prevented me from filing bankruptcy. I owe them great gratitude what they had done for our family and our debt crisis. With today approaching a failing economy, everything going up (but our paychecks) were are you to turn for help with your debt? People are stuggling with finances more now than ever. Divorce is on the rise and people are starving. Older couples are freezing to death literaly in their homes because they cant afford heat.

Today my out look is a lot better even in a recession. I am a stay at home mom now living a pretty good life. I don't have everything I want, but we live a lot better than we did. I know attend pee wee functions, and book fairs, and my husband and I actually see each other these days. How good would it feel to pick up those bundled bills and just hand them over to someone else and just say "here you deal with it I cant do it anymore" Would it be a brick off your chest? What a relief! Would you feel healthy for a change? I know I did. Provanta changed my life and they can change yours too. This is a very personal story for me and I know what your going through don't struggle alone. There are real people to help including me if you have questions feel free to post here or email me at anytime. Provanta in my opinion is the best settlement company out there, if you are looking for real people who care about your needs, and your financial situation. They want to help and are always courteous and treat your finances with dignity. They have earned the "best settlement company"in my book by fighting to get me the best settlement and fast.

Not only does PROVANTA. take care of your credit card debt, It also has free information on thier site that show you how to save for retirement, college funds, how to create a sucessful budget, and more. Provanta's site shows you all the different types of debt management there is out there for you and how they work to that you can make the best possible choice for your situation. Weather that may be debt settlement,debt consolidation, bankruptcy, debt management, debt couseling and more. There are tips and tricks to saving money on their site to anyone willing to look. This is all free information that is posted on the PROVANTA. website for anyone to see free of charge. These are great people with a great cause. Helping america be free from debt. What other debt settlement company would offer this? Not to many. Other companies are looking out for themselves wile Provanta is looking out for what is best for your needs. Another reason they get the "best settlement company" title.

My mission in this lense is to let you know of other alternatives to bankruptcy, In my experience with this company I wanted everyone to know how wonderful they were to my family and I. We no longer felt that stress of bills and credit card debt thanks to PROVANTA. . I know how painful it can be and I hate to see anyone have to go through that feeling of dread. This post is for anyone that wants to make a change in thier life this year. Even if you dont use PROVANTA's settlement program, Thier website has so many useful information for any type of financial questions you may have.

Choosing the debt settlement company can be tough in todays world of scams, and hardships. Everyone is screaming for you to join thier debt settlement company. So How do you choose which one is right for you? Once again I am proud that PROVANTA has posted this free information on thier site. This is some great useful information on helping you make a informed decision as to how to find the best debt settlement company for you. Check out PROVANTA's Top 10 questions to ask when choosing the best settlement company below:

1. How long have you been in the debt settlement business? In my opinion the answer needs to be at least 10 years. Any less and the company does not have enough of a track record to provide feedback on average settlement rates etc.

2. Are you going to be handling my settlements or do you outsource this to a third-party? Generally speaking you do NOT want to be dealing with more than one company

3. Are you a member of the Better Business Bureau (BBB)? If not you can immediately discard the company regardless of what they say. If they are a member visit www.bbb.org to search for the business listing. Make sure that all outstanding complaints, if any, have been resolved.

4. Can you do business in my state of residence?

5. Can you reach settlements with my creditors? Provide the company a list of your creditors with the respective balances. Make sure they have a history of settling with your particular creditors. Tell them your story. Provide a little background as to how the debt accrued.

6. What is the total cost of the program including fees? This figure should be somewhere around 60% of your current debt amount.

7. How much are your fees and how are they assessed? The answer you should be looking for is somewhere between 15 - 20% and the fees should be fixed. If there are "administrative", "retainer", "variable", or other fees involved, or if the company cannot quote you a figure for fees then this might be a red flag.

8. What are your hours of business and who can I contact if I have a question regarding my account? The rep you speak with on the phone with may not ultimately be the person you have to deal with if you have an issue. Strong customer service is the cornerstone of a successful debt settlement company.

9. What is your web address (URL)? The company website can provide a wealth of information as to the legitimacy of the business. Make sure they list a physical address under the "contact us/about us" page. Look around for fresh content. Make sure the site is copyrighted for the current year. Make sure there are no discrepancies between the messages on the website and what the representative on the phone tells you.

10. Ask a couple tough questions and guage the response. For example, "can my creditors sue me", "will they continue to call me", and "will my credit score go down"? The answer to all these questions is "yes" so make sure the representative does a good job explaining why.

There are many other questions to ask of course but ultimately you need to be comfortable with whatever decision you make. Remember, you are looking for peace of mind and not additional stress. A debt settlement company CANNOT magically eliminate your debt overnight but a good debt settlement company should be able to adequately address your concerns regardless of what they are or when they occur.

Thank you PROVANTA for this unbiased information! What a way to prove that you are there for the people and not yourself! Another reason why I have given them "The Best Settlement Company" title.

1. You make only minimum payments on your credit cards each month

2. You are at or near the limit of your credit cards

3. You applied for more credit cards in the past year

4. You have begun charging small items or essentials like food and gasoline

5. You have recently paid a monthly bill using a credit card cash advance

6. You are often late paying some or all of your bills

7. You are unsure how much you owe creditors

8. You are receiving calls or overdue notices from creditors

9. You can't envision a life without using credit.

10. You have no budget.

These are guidelines as to if you are starting to become financially in debt and may need some help. Have you answered "yes" to a lot of these questions? Then why dont you head over to PROVANTA. for a free debt anylasis today. There is no obligation what so ever.