Debtmerica Website Disclaimer: Last Updated as of July 26, 2011
*Clients that are able to make the monthly program payments generally experience a 50% reduction of their enrolled balance before fees, or approximately a 29% reduction after payment of fees over a 24-48 month period. Individual results may vary based on ability to save sufficient funds and complete the program, the creditors in your individual portfolio, and amount of debt enrolled. Statements made are examples of past performance and are not intended to be a guarantee that your debt balances will be lowered by a specific amount or percentage, that you will be debt free within a specific time period, or a guarantee of future settlement results. Debtmerica, LLC guarantees it will not receive any fees until the terms of your debt have been altered with one or more of your creditors. While our programs work aggressively to reduce your debt balances, creditors are under no contractual obligation to negotiate or accept settlement offers. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice and we do not provide credit repair services. Please contact a tax professional to discuss tax consequences of debt settlement. By providing your contact information, you agree to receive return telephone calls, emails or other communications from Debtmerica, LLC and/or its affiliates and expressly waive any “No Call” preference or registration. Photographs used are not actual clients. Debtmerica, LLC is not affiliated with MSNBC, Fox, CBS, 500/5000 or OCBJ and logos used are registered trademarks of their respective owners. Programs not available in all states. Read and understand all program materials prior to your enrollment.
Debtmerica Authors & Editorial Team
Debtmerica is known as an authority in the debt services industry and as a part of our commitment to this we publish a news journal covering topics in and around consumer spending, debt management, and other debt related news topics.
Writers
Harry Langenberg – “Chief Editor and Orchestrator”
Harry is a Managing Partner at Debtmerica and a leading advocate of the debt settlement industry. When not running operations at the Company, he is editing new content for the site and ensuring that the editorial team covers the most relevant topics in the news. Harry is a graduate of the Wharton School at the University of Pennsylvania and hails from St. Louis, MO.
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Christine Bui – “Conductor of the Content and Company Curator”
Chrissy is Debtmerica’s Production Manger. While she is a little more reserved in the workplace, when it comes to communicating her thoughts and views in writing, she is a rainmaker. Chrissy has been connecting with Debtmerica fans for over two years with her articles, press releases and helpful site resources. When not planning her next scribbling creations, Chrissy can often be found enjoying some of Orange County’s hot social spots with her numerous friends. Chrissy is a graduate of UC Fullerton and has spent all her fine years in the Southern California area.
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Jesse Torres – “Master of FAQs & Budgeting Maestro”
Jesse is Debtmerica’s CEO, and in addition to having all the answers for our staff and clients, he loves to enrich the public’s knowledge with financially savvy content and articles. Jesse’s pen anchored most of the rich content on the Debtmerica site, and he keeps our client-friendly FAQ’s up to date, while responding to questions and topics that are on the minds of consumers. Jesse is a graduate of the Wharton School at the University of Pennsylvania and is a big fan of the Boson Red Sox, having grown up outside of Boston in the Cape Cod area.
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Kristen Bemis – “Guardian of Compliance and Protector of Objectivity”
Kristen is Debtmerica’s General Counsel, and she always enjoys a good challenge. Her strong ability to thoroughly analyze the issues and provide an objective perspective is deeply appreciated by staff. Kristen has the job of making sure Debtmerica’s communications are kosher, which means reviewing gobs of content. Kristen is also an industry leader, currently serving The Association of Settlement Companies, our industry Association. When she can find time, her articles on industry regulation and consumer advocacy are very insightful. Kristen holds a Bachelor of Arts in Political Science and minors in Business and History from the University of San Diego and is also is a graduate of the University of the Pacific, McGeorge School of Law.
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Lindsay Dage – “Maiden of Debt”
Lindsay takes the reins in writing and coordinating articles for Debtmerica’s newsletters. She is always looking to pass her savvy tips and updates to help Debtmerica’s followers. Her latest project is to build our DebtPedia, which will be a huge resource of all key terms relating to debt issues. Lindsay has a knack for being able to take complex issues and break them down to simplicity – and her fun loving personality shines in her editorial communications. Lindsay currently lives in Newport Beach and is a graduate of the University of New Hampshire.
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Miron Lulic – “Social Networking Stud”
Miron is the man when it comes to super charging Debtmerica’s Social Networking presence. Miron took the lead to expand Debtmerica’s footprint across the Web to Facebook, Twitter and many other venues. Now he’s having fun making sure the community is served well by Debtmerica’s presence and constant articles feeds. Miron is also constantly scanning the debt blogs and making sure that Debtmerica’s perspectives and viewpoints are relayed appropriately. Miron is soon to be the father of twins, and he is our friendly team Canadian.
To contact any of our writers, please send us a note using our contact us page.
About Debtmerica
Debtmerica is a leading debt settlement company that offers assistance to individuals and families who are experiencing financial difficulties and hardship.
We offer debt resolution programs that specialize in negotiated debt settlement that assists clients by reducing debt balances while providing an affordable monthly payment.
Our professional and knowledgeable staff has helped thousands of consumers get back on their feet financially.
Top Articles to Help You Lead A Debt-Free Life
- Debt Consolidation: “Debt Consolidation” is one of the most commonly misunderstood and misinterpreted personal finance strategies that consumers inquire about all the time. While some view it as a method of taking on new loans, others see it as a debt relief alternative. It is more important than ever for inquisitive consumers to have a very strong understanding of exactly what debt consolidation entails, and the impacts it can have on personal finances.
- Debt Relief: Debt relief is defined as a partial or total forgiveness of debt. When the term is used by the government, it usually refers to the forgiveness of debt to underdeveloped countries. Recently, it has begun to refer to the millions of consumers who are overwhelmed with debt seeking financial relief from their unsecured debt.
- Credit Card Debt: Credit card debt is an example of unsecured consumer debt, accessed through credit cards. Debt results when a client of a credit card company purchases an item or service through the card system. Debt accumulates and increases via interest and penalties when the consumer does not pay the company for the money he or she has spent.
- Debt Settlement: 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.
- Credit Counseling: There are a numerous options for consumers who want to start getting their finances under control after accumulating large amounts of debt, which could inevitably lead to credit problems further down the road. Consumers who are in control of most aspects of their finances, but still feel like they could use additional help managing their debt burden, could certainly benefit from the assistance of a consumer credit counseling service.
- How Do I Get Out of Debt?: Now that the national economy is beginning to recover and people are having a better time dealing with their personal finances, many consumers who found themselves sunk deep in debt over the last few years may be asking themselves the question, “How do I get out of debt?” Fortunately, there are a number of avenues consumers can take to get out of debt, each with benefits and drawbacks depending on how quickly people need to fix their financial problems.
- 10 Tips to Avoid the Debt Trap: Have you ever thought about why so many of the people you know are struggling with debt? Do you ever wonder why banks keep lending to certain individuals, even when they are falling behind on their payments? Did you know that debt problems are a leading cause of major societal problems, such as stress, divorce and alcoholism?
- Credit Management: Many consumers are finding themselves buried under a pile of mounting debt. With interest accumulating month after month in addition to late fees being charged, many consumers are finding it difficult to make just the minimum payments on their credit cards. Although this may seem like an endless battle, with a strict budget and some discipline there are credit management strategies and solutions that will allow consumers to reduce or even eliminate their debt.
- Credit Card Debt Reduction: In recent months, many Americans have made a greater effort to seek credit card debt reduction and reduce the balances they owe, but some may not know where to start. Fortunately, there are several options available for consumers thathave a financial goal to achieve credit card debt reduction.
- Credit problems: Paying down high levels of debt is one of the best ways to improve credit problems and increase one’s credit standing. But many people cannot do that so quickly, especially in this economy. About one-third of a credit score is based off of a credit utilization ratio, which is the total creditbalances divided by the total credit limits. A great target is to use no more than 30% of one’s available credit.
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