You all have been a life saver. I am a person who wants to pay her bills and for me I just couldn’t bear the thought of not being able to pay. We were swimming in debt. You all are doing a fantastic job at helping us to become debt free. Thank you so much.Deena
Thank you so much for your hard work…in these increasingly hard times, it is so good to know we have the support of you all in helping us get our debt paid off. After all this is done and over…it is nothing but cash on delivery! The stress has taken a toll on my health, but it is so heartwarming to know all what you all are doing for us. God bless you all.Joseph
In my husband’s health took a downward turn then came the bills!! We were were devastated and and our emotions soared, how are we ever going to make it? We called and It’s by far the best call we ever made!! After talking with them we seen that they were well schooled and answered all our questions with compassion, understanding, and caring. No more sleepless nights worrying about tomorrow. They have lifted our debt off our shoulders assuring us they will take care of it and they have 100%. We would recommend them to one and all Thank you to all the beautiful people who answer the phones and your questions.Lissette
Proud Member of the American Fair Credit CouncilAFCC members are held to the highest ethical standards. All members agree to abide to the strictest code of conduct in the industry. In the past 5 years, AFCC members have resolved over $2 billion in debt.By choosing to work with an AFCC member, you are choosing to work with a debt relief industry leader, with the highest ethical standards and a strong track record of getting results for consumers facing financial challenges. AFCC members have resolved over $2 billion in debt for American consumers in the past 5 years. All AFCC members agree to abide to our code of conduct , which is the strictest in the industry.
Welcome to A New You
For many Americans, a small or moderate amount of personal debt is something they will carry with them for their entire lives. In some cases, the debt is manageable; mortgages, car loans, and other debts are often unavoidable. But in today’s consumer-driven society, it’s just as easy to accumulate credit card and other personal debt that is no longer manageable. When this happens, it’s easy to get discouraged and feel like you’re simply treading water.
If you’re swimming in debt or barely making your minimum payments, you are putting yourself at risk to develop bad credit or repossession of your home or other belongings. At this point, debt relief can seem like an impossibly far-fetched idea.
A New You is here to show you that freedom from credit card debt is possible, regardless of the situation you are in. Resolving these issues and helping you move on from debt is what we do best.
How Common is Debt in America?
It’s estimated that the average American household carries over $130,000 in debt. Of this figure, a little over $15,000 is credit card consumer debt. The rest encompasses things like mortgages, student loans, car loans and more. Debt is very common in the United States for many reasons.
The main reason that debt in America is so high is the fact that the cost of living is rising faster than wage growth; meaning necessities like food, other living expenses, and medical assistance are more expensive than ever. Other factors that contribute to debt in America include high-interest rates, living beyond means due to societal and media pressures and more.
While debt is extremely common among Americans, it’s still something that has a negative stigma attached to it. The topic of debt is often taboo. Talking about personal debt or debt resolution programs can also be embarrassing for many people. In today’s society, we are lead to believe that being overcome with debt is equal to failing at life and that admitting the problem is shameful.
While we know this to be untrue, many Americans also admit to not knowing how much debt they are in because they simply choose to ignore the issue out of fear or embarrassment.
When you come to A New You for personalized debt relief you can expect to be treated respectfully and courteously. With so many citizens struggling with debt, it’s important not to pass judgment and look at debt relief services as the helpful and valuable resource they are.
The Cycle of Credit Card Debt
What may start out as a quick splurge on a coveted item can quickly roll into a cycle of debt that is difficult to escape. Carrying a balance on a credit card means you are subject to daily interest charges. At anywhere from 18 to 24 percent, the rate on your credit card means any payment that you do make often goes against the interest rather than the principal.
This makes paying off a large credit card balance next to impossible without the help of credit card relief professionals. Once you start carrying a balance, it’s also easier to justify purchases and truly inhibit the “buy now, pay later” attitude that credit card companies want us to have.
All Debt is Different
While credit card debt is one of the most common problems we help solve, other types of debt can come from student loans, car loans, mortgages and more. At A New You, we work on personalized solutions for your unique set of needs. Whether you are looking for credit card debt help or an alternative to bankruptcy, we have an individualized solution that will teach you how to get out of debt.
What Debt Relief Options are Available?
Since debt is very different for each individual, the types of programs offered are just as unique and customizable. There are several main types of debt relief programs available to our clients. They include debt settlement, credit counseling, bankruptcy, and debt consolidation loans. There is no “one size fits all” solution to debt. By speaking with one of our expert analysts, they can help you choose the program that works best for you.
How do we do it?
A New You offers unique and personalized debt relief programs that are designed to get you out of debt and stay there. Our highly trained and skilled associates will guide you through the process. In order to get on the right track to living debt-free, we take you through several steps in our program designed to reduce debt and take away some of the stress that comes with being in a financial hardship. Just like seeking help with any kind of problem, you first have to admit the issue at hand. By acknowledging your debt and recognizing that you need help, you are already in the first step of our process. By calling 855-501-6670 or filling out an online submission, you will be put into contact with a debt analyst who will be designated to your file.
After answering a series of questions to get a better idea of your debt relief needs and goals, our analysts can provide options for programs that would benefit your unique debt situation. Our programs rely on monthly set aside payments to settle your debts. With our programs, everything is customizable, from the duration of your payments to the set monthly amounts you will pay; we work together to come up with a program that suits your personal needs perfectly.
Once your program is confirmed and you start putting away monthly deposits, your account will begin to accrue more money. When the time is right, and your account has sufficient savings, your analyst will contact you with the terms of your settlement and process the transaction. And with that, you are on your way to credit card relief. During the process, it’s important to stay in contact with us to ensure everything is still going smoothly and also notify us of any changes to your account. During this time, we will be working on the settlement terms with your creditors on your behalf. During our programs, it’s important to keep an open line of trust and communication flowing.
Who We Are
A New You debt relief was started by seasoned industry professionals with over 16 years of combined experience in how to reduce credit card debt. After learning how the industry worked and seeing how many debt consolidation companies favor the interests of banks and creditors over people, we decided it was time for a change.
The world of credit card debt relief can be winding and confusing. Choosing a reputable company to work with is a difficult choice. By placing your financial decisions in the care of a debt relief program, you are putting a lot of trust in the company you choose. Making the right decision is important.
Debt is a common denominator that unites us all. At one point or another, it’s safe to say that our employees or even founders have experienced financial difficulties. By knowing both sides of the coin, we can expertly help our clients find solutions that work in their own time and with their own budgets.
With this type of relationship, you can rest assured that we are working for you rather than working for the banks and creditors at your door. By being completely transparent, we can effectively communicate on your behalf and procure the best results and savings when it comes to reaching a settlement.
Why Trust Us?
When choosing a company to work with, it’s important to know a few things before getting started. For example, keep in mind that all credit card relief companies must make money somewhere. Whether it’s charging an upfront fee or including their fee in the interest rates, even non-profit services charge something. It’s also vital to understand the difference between reducing debt using our methods or getting a consolidation loan with a less reputable company.
Consolidation loans are typically simple loans, with most of the interest getting paid at the start of the term. In these cases, debt relief companies can either charge additional interest to make money or Credit Counseling companies can receive certain “kickbacks” from the creditors.
When you work with A New You, you can expect your best interests to be the top priority, not the banks. We want to help you with bankruptcy alternatives because we look out for your best interest. Like other reputable settlement companies, we have a no upfront fee program. However, A New You only receives a fee when your debt is settled and we always include the estimated fee into your monthly payment quote. In addition to this transparent pricing strategy, A New You is also proud to offer a “Pay per Performance” structure that means our payout is consistent with your savings and we don’t get a penny unless you’ve seen results.
Other Ways to Reduce Debt
If you’re serious about reducing debt and finally getting the upper hand on your finances, contacting A New You is a great first step. But the real work of finding true debt relief is to apply the concept to your entire life. Making small changes to your lifestyle can help create better financial stability and make getting out of debt easier than you thought possible.
Some examples of small changes that make a big difference include canceling your cable subscription, relying on less expensive streaming services instead. You can get rid of your home phone if everyone in your household uses a cell phone, reduce the number of times you eat out during the week, carpool to work or take the bus to save on fuel and parking fees. Our financial experts can help with more ideas on how to save money on an everyday basis. What it comes down to is, a little ingenuity can go a long way when it comes to saving money and getting out of debt.
Don’t Spend Another Sleepless Night Worrying about Consumer Debt
Debt is something we all have to deal with, whether it’s your mortgage, car loan, student loans or credit card, and we can help get you debt free sooner. With our proven track record of success and our compassionate and understanding analysts, A New You will create a program designed to meet your specific financial needs and goals. Our proven methods and “Pay per Performance” options ensure that you will be well taken care of.