Novae's debt help program is designed to efficiently resolve your debt by significantly reducing the amount you owe. Here's how it works:

1. Free Consultation: Begin with a complimentary debt consultation conducted by one of our certified Debt Specialists. They will assess your situation and present various debt help options such as bankruptcy, debt settlement, and debt consolidation.
2. Personalized Program: Based on your needs and goals, we assist you in determining the most suitable form of debt help and tailor a personalized debt resolution program. This program is designed to align with your monthly budget and often results in lower payments compared to your existing minimum payments.
3. Expert Negotiation: After enrollment, our experienced debt negotiators engage with your creditors on your behalf. Their expertise allows them to negotiate favorable terms, expediting the process of becoming debt-free.
4. Timely Debt Freedom: Our aim is to help you achieve debt-free status as swiftly as possible, allowing you to move forward with financial peace of mind.

Please note that the availability and specific details of Novae's program may vary, so it's essential to consult directly with our team for accurate and up-to-date information.

For many individuals, it can indeed be highly beneficial.

If you find yourself living paycheck-to-paycheck, burdened with significant credit card balances, and struggling to meet minimum payment requirements, you are likely experiencing unnecessary stress that can impact both you and your loved ones.

By enrolling in Novae's debt help program, you not only receive assistance in eliminating your debt and regaining financial control, but you also free yourself from the stress, guilt, and worry that accompany overwhelming debt. This newfound freedom allows you to focus on what truly matters: your family, your career, your hobbies, and fully enjoying life to the utmost.

Determining the best debt relief solution for your specific circumstances requires a careful assessment of your situation.

Various debt relief options are available, each with its own advantages, disadvantages, and unique effects in the short and long term. These effects can differ for every individual or family seeking debt relief.

To assist you in finding the most suitable debt relief solution, Novae's certified Debt Specialists offer a complimentary debt assessment. They can evaluate your situation, address your concerns, and provide guidance on which debt relief option is the best fit for your needs and budget.

Novae's Debt Help program offers several avenues for saving thousands of dollars or more in your financial journey:

1. LOWER Monthly Payments: Through our program, you can benefit from reduced monthly payments, providing immediate relief and allowing you to manage your finances more effectively.
2. REDUCTION Of Your Total Debt Owed: Our program aims to negotiate with your creditors to lower the total amount of debt you owe. This reduction can result in significant savings and expedite your path to debt freedom.
3. ELIMINATION Of Long-Term Interest Fees: By actively addressing your debt through our program, you can eliminate the accumulation of long-term interest fees. This can save you substantial amounts over time, enabling you to regain control of your financial future.

Novae's debt relief program not only helps you save money on interest and principal, but it also provides the advantage of making one low monthly payment immediately. Moreover, it prevents you from living with high-interest debt for an extended period, potentially sparing you from years or even decades of financial burden.

Please note that the specific savings you can achieve will vary based on your individual circumstances and the debts involved. Consulting with our team will provide you with a more accurate assessment of the potential savings you can realize through Novae's Debt Help program.

To qualify for Novae's debt help program, you need to meet the following criteria:

1. Residency: You must reside in one of the states where our services are available.
2. Debt Amount: Your total unsecured debts, which include credit cards, medical bills, department store debts, and personal loans, should exceed $10,000.

By meeting these requirements, you are eligible to participate in Novae's debt help program. However, please note that additional factors and eligibility criteria may apply, which can be further discussed and clarified by contacting our team directly.

Novae's Debt Help program comes with the following cost structure:

1. No Upfront Fees: Novae does not charge any fees until you approve the settlement agreement and your debts are successfully settled. There are no sign-up fees or cancellation fees associated with the program.
2. No Obligation: You are under no obligation to complete Novae's debt resolution program if you choose not to proceed. You have the freedom to opt-out at any time.
3. Percentage of Enrolled Debt: Once your debts are settled, you will pay a percentage of the total debt enrolled as part of your monthly deposit. The specific percentage may vary depending on the state in which you reside.
4. No Settlement, No Payment: If Novae is unable to settle your accounts, you will not be required to pay any fees. It's a simple and straightforward policy.

Please keep in mind that the exact details of the fee structure, including the specific percentage and state variations, should be discussed directly with our team for accurate and up-to-date information tailored to your situation.

The main difference between Debt Relief and Debt Consolidation is as follows:

Debt Consolidation: Debt consolidation involves combining multiple debts, such as credit cards, personal loans, and medical bills, into a single loan with a fixed monthly payment. Typically, this loan comes with a reduced and fixed interest rate. Debt consolidation requires a higher credit score for approval, as it involves taking out a new loan to pay off existing debts.

Debt Relief: Debt relief focuses on reducing your overall debt balance. In this process, your debts are negotiated with your creditors, resulting in the ability to pay back less than the total amount owed. This reduction is often achieved through settlements, where creditors agree to forgive a portion of the outstanding balance.

In summary, debt consolidation involves taking out a new loan to consolidate multiple debts, while debt relief aims to lower the total amount owed through negotiations with creditors, resulting in reduced payments.

The timeframe to achieve debt freedom can vary based on several factors, including the amount of debt, income level, and the creditors involved.

On average, clients enrolled in our debt help program typically become debt-free within 20-48 months. This timeframe is considerably shorter compared to the prolonged duration that may be required when making only minimum payments on credit cards. By doing so, you may find yourself trapped in debt for 10-20 years or more, and potentially paying back 2-5 times the original borrowed amount.

Choosing Novae's debt help program provides a smart alternative, allowing you to expedite your journey to debt freedom and potentially save a significant amount of money in the long run.

During the initial stage of the debt resolution process, it is normal to experience a temporary decline in your credit score.

Many clients who enroll in our program have already faced hardships that have impacted their credit score, such as high credit utilization and a high debt-to-income ratio. It's important to remember that going through a challenging financial phase and seeking debt relief may result in a temporary dip in your credit score.

However, this decline can actually be seen as a positive sign, indicating progress towards reaching settlements with your creditors.

As you continue to pay off your debt through our debt relief program, it is likely that your credit score will recover and may even surpass your pre-enrollment score. The timeline for credit score improvement depends on various factors, including the specific debts enrolled and the amount saved.

According to the American Fair Credit Council, 85% of debt settlement clients report that their credit score after completing the program is the same as or better than their score at enrollment.

It's important to note that your credit score mainly becomes crucial when you're pursuing significant purchases like a home or a car. If you're not planning such major acquisitions, a temporary dip in your credit score should not be a cause for concern. The ultimate goal is to move forward, eliminate your debt, and regain financial freedom.

At Novae, our focus is on helping you become debt-free faster and for less than what you owe, while understanding that your overall well-being and progress towards financial stability are of utmost importance.

These are all acceptable once they have gone to collections. For instance, we cannot take an auto repossession until the consumer has a deficiency balance statement. This means the automobile has been repossessed, sold at auction, and the consumer has been presented with the final owed amount. This is the difference between what the balance of the loan was and the amount the automobile was sold for.

Debt relief should be considered as a viable financial option in the following situations:

1. Financial Hardship: If you have experienced a significant financial setback, such as divorce, unemployment, loss of income, or a long-term illness, and you are struggling to meet the minimum monthly payments towards your debt, debt relief can provide much-needed assistance.
2. Ineffective Minimum Payments: Even if you can afford to make the minimum payments, but they barely make a dent in the total amount you owe, debt relief becomes a practical consideration.

In many cases, debt settlement is a preferable and quicker form of debt relief compared to alternatives like bankruptcy or attempting to qualify for a consolidation loan.

It is important to evaluate your unique circumstances and consult with debt relief professionals, such as Novae's certified Debt Specialists, who can provide personalized guidance based on your specific situation. They can help determine if debt relief is the right option for you and assist in finding the most suitable and effective approach to address your debt.