Like many Americans you may be having issues keeping up with your credit card bills. So many people these days are falling behind, continue to fall behind, or they just don’t see their credit card balances going down. In this tough economy, almost everyone has credit card debt, but few realize what it really costs. For example if you have $40,000 in debt, with an average interest rate of 15.9%, paying the minimum payments will cost you around $84,400 dollars over 31 years. That’s ridiculous! In a qualified Credit Card Modification Program, you are represented by team of skilled strategist and professional debt negotiators who will develop a plan to provide you with immediate relief from high monthly payments. In the short-term, this strategy may help to restore some financial stability in your life, while a team of professionals works to reduce the amount of your debt in the long run. Once you’re enrolled you’ll have your own dedicated savings account with an FDIC-Insured National Bank. This account is in your name only, and you’ll have full access to it 24-7. We cannot touch it without your approval. Our program is simple. You’ll have one manageable, monthly payment, and the funds will be transferred from your personal bank account to your new account on the day of the month of your choice. These funds will build monthly while our professionals negotiate with your creditors to resolve your account for the lowest possible amount. Bear in mind, paying less than you own your debts may result in taxable income to you when a settlement agreement is reached. The funds will be dispersed from your special purpose account securely to your creditor. This secure payment is tracked with a unique transaction number to ensure it is properly credited and fully documented. The funds in your account will also be used to pay our fees once we have earned them. Timberline Financial is a performance space company, which means you’re not charged any upfront fees or any monthly fees. Ourguarantee is simple, if we don’t settle your account, you don’t ever pay a fee on that account. One of the key benefits of our program is the option of full legal representation through the AmeriLit Legal Plan. This legal plan provides you with full legal coverage on your enrolled accounts with no deductible no co-pays and no limits. Your attorneys will assist you if creditors or debt collectors engage in illegal collection practices, and they can defend you in the unlikely event of litigation. There are many key benefits to our debt resolution program: No upfront fees. No monthly fees. You will always speak with a live person. One monthly payment. Complete legal protection when you sign up with AmeriLit, and the peace of mind knowing you are on the road to resolving your enrolled debts. The program may increase the amount of money you owe due to the accrual of fees, penalties and interest, however any such accrued fees, penalties, or interests are negotiated and resolved along with the principal amount of your debt at no additional cost to you. In fact, many people who enroll in this type of program are able to resolve their debt in 2 to 4 years. You’ll no longer be making your monthly payment to your creditors during the program. This will likely adversely affect your creditworthiness. Timberline Financial is respected throughout the industry. We are a member of the debt buyers Association, the American Fair Credit Council, and the International Association of Professional Debt Arbitrators. When you’re trying to reduce your monthly payments and resolve your debts as quickly as possible, you owe it to yourself to work with Timberline Financial.