Pratical Debt Relief

Debt Settlement & Debt Relief services in  AR Arkansas

Call 888-839-3574 for your free Debt Settlement Arkansas quote today!

Become Debt Free in as little as 12–36 months!
Cut your payments in half with our Debt Relief Program!
Reduce and even eliminate those harassing creditor phone calls!
1 Lower Monthly Payment!

Debt Reduction Begins Here

Practical Debt Relief does not offer or constitute legal advice. For legal advice regarding your situation, please contact a licensed attorney in the state of Arkansas.


According to statistics provided by Census.gov, the estimated population is Arkansas in 2009 was 2,889,450. First quarterly courtesy report from TransUnion for 2010 lists Arkansas As #35 on their list of states with the highest amount of unsecured credit card debt, with an average debt of $4,867.  A person. These statistics can be found here DailyFinance.com. Its no wonder Debt Relief in Arkansas has seen a drastic increase. Occasionally, when a consumer defaults on their debt, whether it is a credit card, personal loan, medical bill, pay day loan, store card or line of credit. The Creditor has a legal right to sue the consumer in an attempt to collect that debt. If they win a judgment, they will be able to attach a debtor’s assets to it. Examples like salaries, bank accounts, and/or real property can be a very scary prospect in cases such as these. Contact Practical Debt Relief to see how we can provide you with the Debt Help you need to complete a Debt Settlement. Law suits can be legally initiated after entry of default within 3 years on open book accounts, 4 years for sales of goods and 5 years for written contract accounts in the state of Arkansas, according to information at CarreonAndAssociates.com. At Practical Debt Relief we have all the tools necessary to guide you through this process. Even though we are not attorneys and cannot provide legal advice we are very experienced and can provide a lot of the same forms to fight your creditors at no additional charge to you. If the creditor is able to win a judgment over the consumer, it can then accumulate an interest rate of 10% per annum or the rate allowed by the contract for contractual agreements, whichever is greater. This information is provided by BCSalliance.com. This judgment would then be valid for 10 years, and can be renewed thereafter. When a judgment is obtained, your creditor can garnish up to 25% of a consumer’s disposable income from each paycheck, freeze their bank account or put a lien on their property. Since a judgment is also a public record, it is imperative to take action immediately and take care of your debts to prevent such outcome.

Once legal action against you has been initiated, you still have the following options:

Do nothing and hope it will go away.

This is the worst thing the consumer can do. Abandoning the debt does not mean it will disappear. If the creditor has been awarded a default judgment against you, they can and in most cases will proceed with garnishment. Even if you are unemployed at this time, they have 10 years to get to your assets, and after 10 years is up, they can renew the judgment. This can go on for decades, that it why it is best to address the situation at the earliest stage of delinquency possible. Contacting a Debt Negotiation specialist at Practical Debt Relief can make a world of difference.

A New Choice: Debt Settlement

In most cases, Unsecured Debt can still be Settlement at any stage of the legal process. Even though it might seem that you can get a good deal on your own, it is often not the case. Your creditors know that you are scared, because most people are not familiar with the legal process and the consequences of a collection lawsuit. They will use scare tactics because they know you feel responsible for your debt, and in most instances those scare tactics will work to their advantage. The Creditors have experts whose job is to deal with delinquent consumers. Isn’t it in ones best interest to at least consult with a professional who knows how the creditors work?  Speak with an honest reputable debt settlement company with certified debt negotiators always at your disposal and ready to settle your accounts. At Practical Debt Relief, Inc. you’ll find just that, top debt settlement and negotiation professionals, who have successfully handled thousands of cases just like yours.

Fight your creditor in court.

This option can be very time consuming when attempting on your own and that’s why most consumer’s turn to other Debt Relief options to prevent drawn out court hearings. According to Newsaic.com, 97% of the cases never make it to trial. This is because most people will either not respond or respond incorrectly when initially served with papers. Our agents will be able to provide you with the necessary study and sample materials put together by our research department, information that can  give you an equal chance to win your lawsuit. Keep in mind that we are not Attorneys and are not giving legal advice. We just feel that this information is public record and we would be happy to share our finding with our client’s.

  ● Binding arbitration.

It is an option for almost any consumer, whose cardholder’s agreement has an arbitration provision. It is very expensive and time consuming for creditors to dispute the claim through private binding arbitration, if, of course, you are a knowledgeable opponent. They rather settle your case for a much lower percentage, than go through with arbitration. A big benefit if you know what you are doing indeed, and our agents will again be able to provide you with all the necessary learning tools.

Debt Settlement has been proven a very fast an effective way of repaying your creditors at a reduced amount and in a short period of time. If you are struggling to make you monthly payments, it’s definitely an option worth considering. See for yourself how much money we were able to save our Debt Settlement AR Arkansas clients, and imagine how much we can save YOU! Just click on the Credit provider that you have CASE STUDIES


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I didn’t think it was possible to cut my debt by over half. The stress of the phone calls and loss of credit was causing my blood pressure to skyrocket. Now, I feel much more relaxed and know I am on the plan to success. Thank you Practical Debt Relief.
Bill, Florida

Thanks for your hard work and being so patient with my Crazy Debt Situation. I am sleeping better at night because of you.
Nathan, New York

I never knew I had so many options when it came to handling my debt. Thank you Practical Debt Relief for taking me through the process and caring for my situation. The results are fast and impressive.
Kristi, California


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Practical Debt Relief, Inc.
5210 S University Dr Suite 104 Davie, Fl 33328
● Phone: # 888-839-3574 ● Fax: # 888-853-7651