{"id":7520,"date":"2015-02-16T10:39:04","date_gmt":"2015-02-16T18:39:04","guid":{"rendered":"https:\/\/neweradebtsolutions.com\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/"},"modified":"2024-05-28T11:30:15","modified_gmt":"2024-05-28T18:30:15","slug":"preguntas-frecuentes-sobre-la-liquidacion-de-deudas","status":"publish","type":"page","link":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/","title":{"rendered":"Preguntas frecuentes sobre la liquidaci\u00f3n de deudas"},"content":{"rendered":"<h2>Preguntas frecuentes sobre la liquidaci\u00f3n de deudas<\/h2>\n<p>En New Era, creemos en la divulgaci\u00f3n completa y honesta de todos los aspectos de nuestro <a href=\"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/\">programa de Liquidaci\u00f3n de Deudas<\/a>. Las siguientes respuestas a las preguntas m\u00e1s frecuentes se ofrecen para ayudarte a comprender mejor nuestro servicio de negociaci\u00f3n de deudas.<\/p>\n<p>Si tienes m\u00e1s preguntas o deseas m\u00e1s informaci\u00f3n sobre cualquiera de nuestros programas de resoluci\u00f3n de deudas, no dudes en llamarnos al tel\u00e9fono gratuito <a href=\"tel:18005274421\"><br \/>\n  <span class=\"InfinityNumber clickable tel-link\">800.527.4421<\/span><br \/>\n<\/a>. Uno de nuestros representantes profesionales estar\u00e1 encantado de ayudarte con una consulta sobre deudas GRATUITA y sin compromiso.<\/p>\n<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/_Nr7abflbkA\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1653196635999\"><strong class=\"schema-faq-question\">\u00bfC\u00f3mo funciona la liquidaci\u00f3n de deudas?<\/strong> <p class=\"schema-faq-answer\">La liquidaci\u00f3n de deudas es una forma de alivio de la deuda que consiste en negociar con los acreedores para conseguir un acuerdo de reembolso inferior al saldo adeudado (principal) en tus cuentas de deudas personales no garantizadas. Al negociar el propio saldo, la Liquidaci\u00f3n de Deudas proporciona un medio mucho m\u00e1s r\u00e1pido de gestionar tu deuda en comparaci\u00f3n con otros tipos de resoluci\u00f3n de deudas, como la Consolidaci\u00f3n de Deudas y el Asesoramiento Crediticio, que s\u00f3lo reducen los intereses y no el saldo total de la deuda.<br>La mayor\u00eda de los acreedores est\u00e1n dispuestos a negociar un acuerdo, a veces incluso de hasta el 60% del saldo principal, porque es una alternativa mejor que perder la totalidad del pago de la deuda si el deudor decide declararse en quiebra.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1653196593956\"><strong class=\"schema-faq-question\">\u00bfFuncionar\u00e1 para m\u00ed la liquidaci\u00f3n de deudas?<\/strong> <p class=\"schema-faq-answer\">Para las personas y familias que buscan una soluci\u00f3n eficaz a sus deudas como alternativa a la quiebra, simplemente no hay mejor opci\u00f3n para salir de deudas. Pero no funcionar\u00e1 para todos.<br>Averigua <a href=\"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/cumples-los-requisitos\/\">si<\/a> puedes acogerte a un programa de liquidaci\u00f3n de deudas.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1653196545769\"><strong class=\"schema-faq-question\">\u00bfCu\u00e1nto cuesta la liquidaci\u00f3n de deudas?<\/strong> <p class=\"schema-faq-answer\">La cantidad que te cueste liberarte de tus deudas depende de varios factores, como tus saldos crediticios, tu capacidad para contribuir con pagos mensuales de dep\u00f3sito en garant\u00eda a tu programa de resoluci\u00f3n de deudas, la cantidad que pueda negociarse de tu saldo y la rapidez con que se negocie, y los honorarios que te cobre tu empresa de resoluci\u00f3n de deudas por negociar la liquidaci\u00f3n.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1653196511972\"><strong class=\"schema-faq-question\">\u00bfCu\u00e1les son las consecuencias fiscales de la liquidaci\u00f3n de deudas?<\/strong> <p class=\"schema-faq-answer\">Es poco probable -pero posible- que debas impuestos sobre el importe de la deuda condonada por los acreedores. He aqu\u00ed por qu\u00e9:<br>Las entidades financieras est\u00e1n obligadas a declarar a Hacienda cualquier deuda cancelada (la parte condonada durante la liquidaci\u00f3n) que supere los 600 $, y el deudor est\u00e1 obligado a declararlo como ingresos en su declaraci\u00f3n de la renta.<br>Sin embargo, Hacienda te permite compensar los \u00abingresos\u00bb de las deudas canceladas hasta la cantidad en que eras \u00abinsolvente\u00bb en el momento de cancelarlas. Eres \u00abinsolvente\u00bb si debes m\u00e1s de lo que posees, es decir, si tienes un patrimonio neto negativo.<br>Las personas muy endeudadas no suelen tener un patrimonio neto positivo, por lo que es raro que paguen impuestos sobre el saldo de la deuda condonada. Una excepci\u00f3n es una persona con un elevado patrimonio inmobiliario, que podr\u00eda hacer que el patrimonio neto global fuera positivo y anular as\u00ed la exclusi\u00f3n por insolvencia. Sin embargo, esto es la excepci\u00f3n y no la regla.<br>Ten en cuenta que se trata de generalidades y no pretenden ser consejos fiscales. Te recomendamos que lo hables con tu contable.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1653196480258\"><strong class=\"schema-faq-question\">\u00bfLa liquidaci\u00f3n de deudas detendr\u00e1 las llamadas de los acreedores?<\/strong> <p class=\"schema-faq-answer\">Ninguna empresa de liquidaci\u00f3n de deudas puede prometer de forma realista que eliminar\u00e1 todas las llamadas de cobro. Sin embargo, comprendemos el estr\u00e9s que pueden crear estas llamadas de cobro y reconocemos la importancia de ofrecer el apoyo y la experiencia necesarios para ayudar a contrarrestar el posible acoso de cobro.<br>New Era ofrece a nuestros clientes recomendaciones para hacer frente a las llamadas de los acreedores como parte de nuestros programas de resoluci\u00f3n y negociaci\u00f3n de deudas.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1653196371848\"><strong class=\"schema-faq-question\">\u00bfPuede la liquidaci\u00f3n de deudas provocar un pleito?<\/strong> <p class=\"schema-faq-answer\">Aunque los acreedores tienen derecho legal a interponer una demanda por impago de una obligaci\u00f3n de deuda, tales demandas durante el proceso de resoluci\u00f3n de deudas son mucho menos frecuentes de lo que los cobradores de cr\u00e9ditos agresivos te quieren hacer creer. La mayor\u00eda de los acreedores prefieren resolver las cosas amistosamente en un acuerdo negociado que gastar m\u00e1s dinero llevando a un cliente a los tribunales (sin garant\u00eda de poder cobrar una sentencia). Por eso cada mes se tramitan miles de acuerdos sin litigio en todo el pa\u00eds.<br>Pero, en el peor de los casos, podr\u00edan exigirte el pago \u00edntegro del saldo de una deuda en caso de acci\u00f3n judicial por parte de un acreedor. Esto no difiere mucho de la situaci\u00f3n inicial en la que se encuentran la mayor\u00eda de los clientes y, de nuevo, es algo bastante raro.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1653196346645\"><strong class=\"schema-faq-question\">\u00bfPueden embargarme el sueldo durante la liquidaci\u00f3n de la deuda?<\/strong> <p class=\"schema-faq-answer\">Si escuchas a algunos cobradores de deudas, quiz\u00e1 te enga\u00f1en haci\u00e9ndote creer que te embargar\u00e1n tu pr\u00f3xima n\u00f3mina a menos que hagas un pago en ese mismo momento. Pero se trata principalmente de una t\u00e1ctica intimidatoria utilizada para disuadirte de participar en un programa de resoluci\u00f3n de deudas.<br>Los embargos efectivos son relativamente raros y no se producen sin previo aviso. En primer lugar, un acreedor debe interponer una demanda, obtener una sentencia y, a continuaci\u00f3n, dar un paso adicional para obtener la autorizaci\u00f3n del embargo.<br>Nadie puede quitarte la n\u00f3mina sin aprobaci\u00f3n judicial, y se te debe notificar dicha acci\u00f3n judicial mediante documentaci\u00f3n formal. As\u00ed que, no te dejes enga\u00f1ar por uno de los trucos de cobro m\u00e1s antiguos del libro, busca en su lugar una resoluci\u00f3n de deudas adecuada.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1653196310997\"><strong class=\"schema-faq-question\">\u00bfPodr\u00e9 seguir utilizando mis tarjetas de cr\u00e9dito durante la negociaci\u00f3n de la deuda?<\/strong> <p class=\"schema-faq-answer\">No podr\u00e1s seguir utilizando ninguna de las tarjetas de cr\u00e9dito u otras cuentas inscritas en un programa de Liquidaci\u00f3n de Deudas. Cuando negocias para que los acreedores condonen la mitad o m\u00e1s de los saldos adeudados, sencillamente no te conceder\u00e1n m\u00e1s cr\u00e9dito a menos que vuelvas a poner la cuenta al d\u00eda y retomes un plan para pagar el saldo total.<br>Sin embargo, en New Era sabemos que es dif\u00edcil arregl\u00e1rselas sin al menos una tarjeta de cr\u00e9dito para fines de identificaci\u00f3n y\/o emergencia. Para ello, est\u00e1 permitido que los clientes mantengan una tarjeta (preferiblemente una con un saldo peque\u00f1o) fuera del programa de negociaci\u00f3n de deudas. \u00c9sta es otra gran ventaja del enfoque de la Liquidaci\u00f3n de Deudas frente a otros m\u00e9todos de resoluci\u00f3n de deudas, que adoptan un enfoque de todo o nada para gestionar tu deuda.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1653196269322\"><strong class=\"schema-faq-question\">\u00bfCu\u00e1les son las diferencias entre la liquidaci\u00f3n de deudas y el asesoramiento crediticio?<\/strong> <p class=\"schema-faq-answer\">La liquidaci\u00f3n de deudas y el asesoramiento crediticio son dos enfoques diferentes del alivio de la deuda. Las diferencias entre estas dos formas de resoluci\u00f3n de deudas se manifiestan principalmente en el tiempo que se tarda en liberarse de las deudas y en la cantidad total que cuesta devolver el capital y los intereses acumulados.<br>Con el Asesoramiento Crediticio, acabar\u00e1s devolviendo todos los saldos de la deuda, m\u00e1s los intereses y las comisiones; mientras que con la Liquidaci\u00f3n de Deudas, s\u00f3lo devuelves una parte de la carga de la deuda. Esto hace que la Liquidaci\u00f3n de Deudas sea un camino mucho m\u00e1s r\u00e1pido para gestionar tu deuda (2-3 a\u00f1os) que el Asesoramiento Crediticio (5-9 a\u00f1os). Y esto significa mucho menos dinero de tu bolsillo.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1653196251634\"><strong class=\"schema-faq-question\">\u00bfQu\u00e9 tipo de deuda se puede negociar?<\/strong> <p class=\"schema-faq-answer\">Por regla general, casi todos los tipos de deuda no garantizada pueden negociarse con \u00e9xito. Una deuda no garantizada es la que no est\u00e1 vinculada a un bien material concreto que pueda ser embargado por el acreedor. As\u00ed, un pr\u00e9stamo de autom\u00f3vil, por ejemplo, no podr\u00eda incluirse en un programa de negociaci\u00f3n de deudas porque el acreedor podr\u00eda embargar legalmente el veh\u00edculo.<br>Las deudas de tarjetas de cr\u00e9dito, tarjetas de grandes almacenes, pr\u00e9stamos a la firma, l\u00edneas de cr\u00e9dito sin garant\u00eda y cuentas de cargos rotatorios son tipos de deuda que pueden incluirse en un programa de liquidaci\u00f3n de deudas. Algunas facturas m\u00e9dicas pueden incluirse en la liquidaci\u00f3n de deudas dependiendo del estado de morosidad y de la agencia de cobros con la que est\u00e9 la deuda.<br>La principal excepci\u00f3n son los pr\u00e9stamos estudiantiles, que, en la mayor\u00eda de los casos, son pr\u00e9stamos respaldados por el gobierno que ni siquiera pueden ser descargados en un procedimiento de quiebra. (Los pr\u00e9stamos estudiantiles privados que no est\u00e9n patrocinados por el gobierno pueden incluirse en las negociaciones de la deuda).<br>Negociar la deuda de una cooperativa de cr\u00e9dito puede ser un reto en comparaci\u00f3n con otros tipos de deuda. Las cooperativas de cr\u00e9dito son organizaciones propiedad de sus socios, y saldar deudas podr\u00eda afectar a otros socios de la cooperativa. Generalmente, la deuda de las cooperativas de cr\u00e9dito se considera no negociable. Sin embargo, en algunos casos, la negociaci\u00f3n puede ser posible con la asistencia de un abogado litigante. Se recomienda consultar con un servicio profesional de negociaci\u00f3n de deudas, como <a href=\"https:\/\/neweradebtsolutions.com\/contact-us\/\">New Era Debt Solutions<\/a>, o con un asesor jur\u00eddico para explorar las posibles opciones y navegar por las complejidades que entra\u00f1a la negociaci\u00f3n de la deuda de la cooperativa de cr\u00e9dito.  <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1653196192705\"><strong class=\"schema-faq-question\">\u00bfQu\u00e9 pasa si un acreedor no quiere negociar?<\/strong> <p class=\"schema-faq-answer\">New Era ha negociado con \u00e9xito deudas con miles de acreedores de todo el pa\u00eds a trav\u00e9s de nuestros diversos programas de resoluci\u00f3n de deudas. En el curso de los negocios, hemos establecido contactos con los principales bancos, agencias de cobros y abogados de cobros. La liquidaci\u00f3n de deudas est\u00e1 reconocida como una soluci\u00f3n viable por los profesionales del sector de la cobranza, y en New Era nos enorgullecemos de la reputaci\u00f3n profesional que nos hemos forjado al tratar justamente con los acreedores.<br>En los raros casos en que un acreedor se niega a aceptar un acuerdo razonable en el momento en que se le propone, a menudo se trata simplemente de esperar a otra fase del proceso de cobro.<br>Algunos acreedores son m\u00e1s propensos a jugar \u00abduro\u00bb que otros, pero pr\u00e1cticamente todas las grandes instituciones acaban vendiendo sus cuentas a compradores de deuda para obtener lo que puedan por el saldo de la cuenta. Dado que los compradores de deudas adquieren estas cuentas por unos c\u00e9ntimos de d\u00f3lar, est\u00e1n m\u00e1s inclinados a aceptar una oferta de liquidaci\u00f3n razonable, que sigue representando un beneficio en su compra.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1653196146009\"><strong class=\"schema-faq-question\">\u00bfHay deudas que no pueden entrar en un programa de liquidaci\u00f3n de deudas?<\/strong> <p class=\"schema-faq-answer\">Las deudas garantizadas no pueden negociarse mediante un programa de Liquidaci\u00f3n de Deudas. Esto incluye los pr\u00e9stamos hipotecarios, las segundas o terceras hipotecas, las l\u00edneas de cr\u00e9dito participativo, los pr\u00e9stamos para autom\u00f3viles y los contratos de financiaci\u00f3n vinculados a un bien concreto que el acreedor pueda embargar legalmente.<br>Los pr\u00e9stamos federales para estudiantes, aunque no est\u00e9n garantizados, tambi\u00e9n deben excluirse de un programa de negociaci\u00f3n de deudas. Adem\u00e1s, los impuestos federales y estatales no pueden incluirse en los esfuerzos de negociaci\u00f3n de la deuda.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1653195926247\"><strong class=\"schema-faq-question\">\u00bfPuedo hacer la liquidaci\u00f3n de deudas por mi cuenta?<\/strong> <p class=\"schema-faq-answer\">S\u00ed, sin duda es posible que un consumidor negocie sus propias deudas. Sin embargo, hay varios factores importantes que deben tenerse en cuenta antes de tomar tal decisi\u00f3n.<br>En primer lugar, \u00bftienes tiempo? Para las personas con graves problemas de endeudamiento, las complejidades del proceso de negociaci\u00f3n de deudas pueden llevar mucho tiempo. Muchas personas simplemente no tienen tiempo para a\u00f1adir esta laboriosa tarea a una agenda de trabajo ya de por s\u00ed apretada.<br>En segundo lugar, se requiere cierta dureza psicol\u00f3gica para regatear con los acreedores. El consumidor medio se ve obstaculizado por el pudor y la verg\u00fcenza que siente por haberse metido en problemas. Con todos los trucos, trampas y t\u00e1cticas de presi\u00f3n que utilizan los acreedores, la mayor\u00eda de la gente se encontrar\u00e1 mejor con ayuda profesional cuando intente negociar una liquidaci\u00f3n de deudas.<br>En tercer lugar, como en cualquier profesi\u00f3n, hay t\u00e9cnicas que un aficionado no domina f\u00e1cilmente. Sin un asesoramiento profesional, el resultado m\u00e1s probable ser\u00e1 un alto porcentaje de acuerdos en el mejor de los casos y un fracaso absoluto en el peor.<br>Si tienes en cuenta que el pago total, incluidos los honorarios profesionales, seguir\u00e1 siendo muy inferior a tus saldos originales, para la persona media tiene m\u00e1s sentido obtener ayuda para la liquidaci\u00f3n de deudas en forma de programa de resoluci\u00f3n de deudas que intentar negociar la deuda por s\u00ed misma.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1653195901086\"><strong class=\"schema-faq-question\">\u00bfC\u00f3mo s\u00e9 que New Era es leg\u00edtima?<\/strong> <p class=\"schema-faq-answer\">Como en cualquier gran industria, hay empresas de liquidaci\u00f3n de deudas buenas y malas, y conviene asegurarse de que la que elijas tenga en cuenta tus intereses.<br>New Era lleva ayudando a los consumidores a liberarse de las deudas desde 1999. Hemos liquidado m\u00e1s de 275.000.000 de d\u00f3lares en deudas y hemos trabajado con miles de clientes satisfechos de muchos estados de todo el pa\u00eds. Pero no te f\u00edes de nuestra palabra. Consulta nuestra <a href=\"https:\/\/neweradebtsolutions.com\/client-success\/testimonials\/\">p\u00e1gina de Testimonios<\/a> para leer o escuchar las historias de nuestros clientes con sus propias palabras.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1653196579673\"><strong class=\"schema-faq-question\">\u00bfQu\u00e9 ocurre con mi puntuaci\u00f3n crediticia durante la liquidaci\u00f3n de deudas?<\/strong> <p class=\"schema-faq-answer\">Pocas personas con problemas de deudas tienen un cr\u00e9dito perfecto para empezar, y es probable que tu puntuaci\u00f3n crediticia (normalmente llamada puntuaci\u00f3n FICO) disminuya durante el programa de negociaci\u00f3n de deudas.<br>Independientemente de tu puntuaci\u00f3n crediticia, te recomendamos que no solicites nuevos cr\u00e9ditos mientras est\u00e9s en un programa de liquidaci\u00f3n de deudas. Sencillamente, no tiene sentido contraer nuevas deudas mientras intentas resolver tu problema de deuda actual.<br>Sin embargo, la buena noticia es que las puntuaciones de cr\u00e9dito tienden a mejorar r\u00e1pidamente una vez finalizado un programa de liquidaci\u00f3n de deudas.<\/p> <\/div> <\/div>\n\n<p>Visita nuestra <a href=\"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/\">Visi\u00f3n general de<\/a> la liquidaci\u00f3n de deudas para saber m\u00e1s sobre el proceso, las ventajas y las alternativas a la liquidaci\u00f3n de deudas.<br\/>O <a href=\"https:\/\/neweradebtsolutions.com\/es\/resenas-de-new-era-debt-relief\/\">consulta nuestras opiniones<\/a> de TrustPilot o del Better Business Bureau (BBB) haciendo clic en una de las im\u00e1genes siguientes.<\/p>\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/neweradebtsolutions.com\/wp-content\/uploads\/2019\/10\/bbb-logo-136.png\" alt=\"Logotipo del Better Business Bureau\"\/><\/figure>\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/neweradebtsolutions.com\/wp-content\/uploads\/2019\/12\/Trustpilot_logo-136x34.png\" alt=\"Logotipo Piloto de Confianza\"\/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Preguntas frecuentes sobre la liquidaci\u00f3n de deudas En New Era, creemos en la divulgaci\u00f3n completa y honesta de todos los aspectos de nuestro programa de Liquidaci\u00f3n de Deudas. Las siguientes respuestas a las preguntas m\u00e1s frecuentes se ofrecen para ayudarte a comprender mejor nuestro servicio de negociaci\u00f3n de deudas. Si tienes m\u00e1s preguntas o deseas [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":7014,"parent":7264,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"pages\/template-transparency.php","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-7520","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Preguntas frecuentes sobre la liquidaci\u00f3n de deudas | Programa de liquidaci\u00f3n de deudas | New Era Debt Solutions<\/title>\n<meta name=\"description\" content=\"Obt\u00e9n respuestas a las preguntas frecuentes sobre la liquidaci\u00f3n de deudas en New Era Debt Solutions. 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By negotiating the balance itself, Debt Settlement provides a much faster means of handling your debt when compared to other types of debt resolutions such as Debt Consolidation and Credit Counseling, which only reduce interest and not the total debt balance.<br\\\/>Most creditors are willing to negotiate a settlement, even sometimes up to 60% off of the principal balance, because this is a better alternative than the entire debt repayment being lost if the debtor decides to file for bankruptcy instead.\",\"inLanguage\":\"es\"},\"inLanguage\":\"es\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196593956\",\"position\":2,\"url\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196593956\",\"name\":\"Will Debt Settlement Work for Me?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For individuals and families seeking an effective debt resolution as an alternative to bankruptcy, there is simply no better option to get out of debt. But it won\u2019t work for everyone.<br\\\/><a href=\\\"https:\\\/\\\/neweradebtsolutions.com\\\/debt-settlement\\\/do-you-qualify\\\/\\\">Find out if you qualify<\\\/a>\u00a0for a debt settlement program.\",\"inLanguage\":\"es\"},\"inLanguage\":\"es\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196545769\",\"position\":3,\"url\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196545769\",\"name\":\"How Much Does Debt Settlement Cost?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The amount it costs you to become debt-free is dependent on a number of factors including your credit balances, your ability to contribute monthly escrow payments into your debt resolution program, the amount that can be negotiated from your balance &amp; how quickly it is negotiated, and what fees your debt settlement firm charges you to negotiate the settlement.\",\"inLanguage\":\"es\"},\"inLanguage\":\"es\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196511972\",\"position\":4,\"url\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196511972\",\"name\":\"What Are the Tax Consequences of Debt Settlement?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is unlikely \u2013 but possible \u2013 that you will owe taxes on the amount of the debt forgiven by creditors. Here\u2019s why:<br\\\/>Financial institutions are required to report any canceled debts (the portion forgiven during settlement) over $600 to the IRS, and the debtor is required to report that as income on their tax return.<br\\\/>However, the IRS permits you to offset any \u201cincome\u201d from canceled debts up to the amount you were \u201cinsolvent\u201d at the time the debts were canceled. You are \u201cinsolvent\u201d if you owe more than you own \u2013 in other words, if you have a negative net worth.<br\\\/>People who are deeply in debt generally do not have a positive net worth, so it\u2019s rare to pay taxes on the forgiven debt balance. One exception is an individual with a high level of home equity, which might make the overall net worth positive and thereby negate the insolvency exclusion. However, this is the exception rather than the rule.<br\\\/>Keep in mind that these are generalities and not intended as tax advice. We recommend you discuss this with your accountant.\",\"inLanguage\":\"es\"},\"inLanguage\":\"es\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196480258\",\"position\":5,\"url\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196480258\",\"name\":\"Will Debt Settlement Stop Creditor Calls?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No debt settlement company can realistically promise to eliminate all collection calls. 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Most creditors would rather work things out amicably in a negotiated settlement than spend more money taking a customer to court (with no guarantee of being able to collect on a judgment). That\u2019s why thousands of litigation-free settlements are transacted every month all across the country.<br\\\/>But, the worst-case scenario is that you could be required to pay a debt balance in full in the event of legal action by a creditor. This is little different from the starting situation most clients find themselves in, and again, it is a fairly rare occurrence.\",\"inLanguage\":\"es\"},\"inLanguage\":\"es\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196346645\",\"position\":7,\"url\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196346645\",\"name\":\"Can my wages be Garnished During Debt Settlement?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If you listen to some debt collectors, you might be fooled into thinking they will seize your very next paycheck unless you make a payment right then and there. But this is mainly an intimidation tactic used to dissuade you from participating in a debt resolution program.<br\\\/>Actual garnishment actions are relatively rare, and do not happen without advance warning. First, a creditor must bring a lawsuit, obtain a judgment, and then take an additional step to obtain authorization for the garnishment.<br\\\/>No one can take your paycheck without court approval, and you must be given notice of such court action through formal documentation. So, don\u2019t be fooled by one of the oldest collection tricks in the book, find a suitable debt resolution instead.\",\"inLanguage\":\"es\"},\"inLanguage\":\"es\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196310997\",\"position\":8,\"url\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196310997\",\"name\":\"Will I Still Be Able to Use My Credit Cards During Debt Negotiations?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You will not be able to continue using any of the credit cards or other accounts enrolled into a Debt Settlement program. When you are negotiating to have creditors forgive half or more of the balances owed, they simply will not extend more credit unless you bring the account current again and get back on a plan to pay off the full balance.<br\\\/>However, at New Era we know it\u2019s difficult to make do without at least one credit card for identification and\\\/or emergency purposes. To that end, it is permissible for clients to maintain one card (preferably one with a small balance) outside of the debt negotiation program. This is another great benefit of the Debt Settlement approach versus other debt resolution methods, which take an all-or-nothing approach to handling your debt.\",\"inLanguage\":\"es\"},\"inLanguage\":\"es\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196269322\",\"position\":9,\"url\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196269322\",\"name\":\"What are the Differences Between Debt Settlement and Credit Counseling?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Debt Settlement and Credit Counseling are two different approaches to debt relief. The differences between tehse two forms of debt resolution primarily show up in the length of time it takes to become debt-free and the overall amount it costs to repay the principal and the accrued interest.<br\\\/>With Credit Counseling, you will eventually pay back all of the debt balances \u2013 plus interest and fees; whereas with Debt Settlement, you pay back only a portion of your debt load. This makes Debt Settlement a much faster path to handling your debt (2-3 years) than Credit Counseling (5-9 years). And, this means a lot less money out of your pocket.\",\"inLanguage\":\"es\"},\"inLanguage\":\"es\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196251634\",\"position\":10,\"url\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196251634\",\"name\":\"What Kind of Debt Can Be Negotiated?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"As a general rule, nearly every type of unsecured debt can be successfully negotiated. An unsecured debt is one that is not tied to a specific material item that could be repossessed by the creditor. So, an auto loan, for example, could not be included in a debt negotiation program because the creditor could legally repossess the vehicle.<br\\\/>Credit card debt, department store cards, signature loans, unsecured lines of credit, and revolving charge accounts are all types of debt that can be included in a debt settlement program. Some medical bills can be included in debt settlement depending on the delinquency state and the collection agency debt is with.<br\\\/>The main exception is student loans, which in most cases, are government-backed loans that cannot even be discharged in a bankruptcy proceeding. (Private student loans that are not sponsored by the government can be included in debt negotiations.)<br\\\/>Negotiating credit union debt can be challenging compared to other types of debt. Credit unions are member-owned organizations, and settling debt might affect fellow credit union members. Generally, credit union debt is considered non-negotiable. However, in some cases, negotiation may be possible with the assistance of litigation support. It's recommended to consult with a professional debt negotiation service such as\u00a0<a href=\\\"https:\\\/\\\/neweradebtsolutions.com\\\/contact-us\\\/\\\">New Era Debt Solutions<\\\/a>\u00a0or legal advisor to explore potential options and navigate the complexities involved in negotiating credit union debt.\u00a0\",\"inLanguage\":\"es\"},\"inLanguage\":\"es\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196192705\",\"position\":11,\"url\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196192705\",\"name\":\"What if a Creditor Won\u2019t Negotiate?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"New Era has successfully negotiated debts with thousands of creditors all across the nation through our various debt resolution programs. In the course of business, we have established contacts with the major banks, collection agencies, and collection attorneys. Debt Settlement is recognized as a viable solution by collection industry professionals, and at New Era, we pride ourselves on the professional reputation we have established by dealing fairly with creditors.<br\\\/>In the rare instance where a creditor balks at accepting a reasonable settlement at the time it is proposed, it is often a matter of simply waiting for a different phase of the collection process.<br\\\/>Some creditors are more inclined to play \u201chardball\u201d than others, but virtually all of the major institutions eventually sell their accounts to debt purchasers in order to get what they can for the account balance. Since the debt purchasers acquire these accounts for pennies on the dollar, they are more inclined to accept a reasonable settlement offer, which still represents a profit on their purchase.\",\"inLanguage\":\"es\"},\"inLanguage\":\"es\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196146009\",\"position\":12,\"url\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196146009\",\"name\":\"Are There Debts That Can\u2019t Be Entered into a Debt Settlement Program?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Secured debts cannot be negotiated via a Debt Settlement program. This includes home loans, second or third mortgages, equity lines of credit, auto loans, and financing contracts tied to a specific piece of property that may be legally repossessed by the creditor.<br\\\/>Federal student loans, although unsecured, must also be excluded from a debt negotiation program. In addition, Federal and State taxes cannot be included in debt negotiation efforts.\",\"inLanguage\":\"es\"},\"inLanguage\":\"es\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653195926247\",\"position\":13,\"url\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653195926247\",\"name\":\"Can I Do Debt Settlement On My Own?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, it is certainly possible for a consumer to negotiate his or her own debts. However, there are several important factors that should be taken into consideration before making such a decision.<br\\\/>First, do you have the time? For individuals with serious debt problems, the complexities of the debt negotiation process can be very time-consuming. Many people simply do not have the time to add this labor-intensive task on top of an already busy work schedule.<br\\\/>Second, it requires a certain kind of psychological toughness to haggle with creditors. The average consumer is hampered by the embarrassment and shame they feel over having gotten into trouble. With all the tricks, traps, and pressure tactics used by creditors, most people will find themselves better off with professional assistance when trying to negotiate a debt settlement.<br\\\/>Third, as with any profession, there are techniques not easily mastered by an amateur. Without professional coaching, the likely result will be high-percentage settlements in the best case and outright failure in the worst case.<br\\\/>When you consider that the total payout including professional fees will still be far less than your original balances, it makes more sense for the average person to obtain debt settlement help in the form of a debt resolution program rather than trying to negotiate the debt themselves.\",\"inLanguage\":\"es\"},\"inLanguage\":\"es\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653195901086\",\"position\":14,\"url\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653195901086\",\"name\":\"How Do I Know New Era is Legitimate?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"As with any large industry, there are both good and bad Debt Settlement companies in operation, and it is wise to be sure the one you choose has your best interest at heart.<br\\\/>New Era has been helping consumers become debt-free since 1999. We\u2019ve settled more than $275,000,000 in debt and worked with thousands of happy clients from many states around the country. But don\u2019t take our word for it. Check out our <a href=\\\"https:\\\/\\\/neweradebtsolutions.com\\\/client-success\\\/testimonials\\\/\\\">Testimonials page<\\\/a> to read or listen to our clients\u2019 stories in their own words.\",\"inLanguage\":\"es\"},\"inLanguage\":\"es\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196579673\",\"position\":15,\"url\":\"https:\\\/\\\/neweradebtsolutions.com\\\/es\\\/vision-general-de-la-liquidacion-de-deudas\\\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\\\/#faq-question-1653196579673\",\"name\":\"What Happens to My Credit Score During Debt Settlement?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Few people with debt troubles have perfect credit to begin with, and it is likely that your credit score (usually called the FICO score) will decline during the debt negotiation program.<br\\\/>Regardless of your credit score, we recommend against applying for new credit while going through a debt settlement program. It simply doesn\u2019t make sense to take on new debt while you\u2019re trying to tackle your existing debt problem.<br\\\/>The good news though, is that credit scores tend to improve quickly once a debt settlement program has been completed.\",\"inLanguage\":\"es\"},\"inLanguage\":\"es\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Preguntas frecuentes sobre la liquidaci\u00f3n de deudas | Programa de liquidaci\u00f3n de deudas | New Era Debt Solutions","description":"Obt\u00e9n respuestas a las preguntas frecuentes sobre la liquidaci\u00f3n de deudas en New Era Debt Solutions. 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People-friendly debt relief services since 1999.","publisher":{"@id":"https:\/\/neweradebtsolutions.com\/es\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/neweradebtsolutions.com\/es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Organization","@id":"https:\/\/neweradebtsolutions.com\/es\/#organization","name":"New Era Debt Solutions","url":"https:\/\/neweradebtsolutions.com\/es\/","logo":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/neweradebtsolutions.com\/es\/#\/schema\/logo\/image\/","url":"https:\/\/neweradebtsolutions.com\/wp-content\/uploads\/2019\/11\/New-Era-Logo-Horizontal-Even.png","contentUrl":"https:\/\/neweradebtsolutions.com\/wp-content\/uploads\/2019\/11\/New-Era-Logo-Horizontal-Even.png","width":446,"height":112,"caption":"New Era Debt Solutions"},"image":{"@id":"https:\/\/neweradebtsolutions.com\/es\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/NewEraDebt\/","https:\/\/x.com\/NewEraDebt","https:\/\/www.instagram.com\/neweradebtsolutions\/","https:\/\/www.linkedin.com\/company\/new-era-debt-solutions\/","https:\/\/www.youtube.com\/user\/NewEraDebtSolutions"]},{"@type":"Question","@id":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196635999","position":1,"url":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196635999","name":"How Does Debt Settlement Work?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Debt Settlement is a form of debt relief that works by negotiating with creditors to secure a repayment deal that amounts to less than the balance owed (principal) on your unsecured personal debt accounts. By negotiating the balance itself, Debt Settlement provides a much faster means of handling your debt when compared to other types of debt resolutions such as Debt Consolidation and Credit Counseling, which only reduce interest and not the total debt balance.<br\/>Most creditors are willing to negotiate a settlement, even sometimes up to 60% off of the principal balance, because this is a better alternative than the entire debt repayment being lost if the debtor decides to file for bankruptcy instead.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196593956","position":2,"url":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196593956","name":"Will Debt Settlement Work for Me?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"For individuals and families seeking an effective debt resolution as an alternative to bankruptcy, there is simply no better option to get out of debt. But it won\u2019t work for everyone.<br\/><a href=\"https:\/\/neweradebtsolutions.com\/debt-settlement\/do-you-qualify\/\">Find out if you qualify<\/a>\u00a0for a debt settlement program.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196545769","position":3,"url":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196545769","name":"How Much Does Debt Settlement Cost?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The amount it costs you to become debt-free is dependent on a number of factors including your credit balances, your ability to contribute monthly escrow payments into your debt resolution program, the amount that can be negotiated from your balance &amp; how quickly it is negotiated, and what fees your debt settlement firm charges you to negotiate the settlement.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196511972","position":4,"url":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196511972","name":"What Are the Tax Consequences of Debt Settlement?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"It is unlikely \u2013 but possible \u2013 that you will owe taxes on the amount of the debt forgiven by creditors. Here\u2019s why:<br\/>Financial institutions are required to report any canceled debts (the portion forgiven during settlement) over $600 to the IRS, and the debtor is required to report that as income on their tax return.<br\/>However, the IRS permits you to offset any \u201cincome\u201d from canceled debts up to the amount you were \u201cinsolvent\u201d at the time the debts were canceled. You are \u201cinsolvent\u201d if you owe more than you own \u2013 in other words, if you have a negative net worth.<br\/>People who are deeply in debt generally do not have a positive net worth, so it\u2019s rare to pay taxes on the forgiven debt balance. One exception is an individual with a high level of home equity, which might make the overall net worth positive and thereby negate the insolvency exclusion. However, this is the exception rather than the rule.<br\/>Keep in mind that these are generalities and not intended as tax advice. We recommend you discuss this with your accountant.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196480258","position":5,"url":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196480258","name":"Will Debt Settlement Stop Creditor Calls?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No debt settlement company can realistically promise to eliminate all collection calls. However, we do understand the stress these collection calls can create and we recognize the importance of offering the support and expertise to help counteract potential collection harassment.<br\/>New Era provides our clients with recommendations for dealing with creditor calls as part of our debt resolution &amp; debt negotiation programs.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196371848","position":6,"url":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196371848","name":"Can Debt Settlement Cause a Lawsuit?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"While creditors have the legal right to bring a lawsuit for non-payment of a debt obligation, such lawsuits during the debt resolution process are far less common than aggressive credit collectors would have you think. Most creditors would rather work things out amicably in a negotiated settlement than spend more money taking a customer to court (with no guarantee of being able to collect on a judgment). That\u2019s why thousands of litigation-free settlements are transacted every month all across the country.<br\/>But, the worst-case scenario is that you could be required to pay a debt balance in full in the event of legal action by a creditor. This is little different from the starting situation most clients find themselves in, and again, it is a fairly rare occurrence.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196346645","position":7,"url":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196346645","name":"Can my wages be Garnished During Debt Settlement?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"If you listen to some debt collectors, you might be fooled into thinking they will seize your very next paycheck unless you make a payment right then and there. But this is mainly an intimidation tactic used to dissuade you from participating in a debt resolution program.<br\/>Actual garnishment actions are relatively rare, and do not happen without advance warning. First, a creditor must bring a lawsuit, obtain a judgment, and then take an additional step to obtain authorization for the garnishment.<br\/>No one can take your paycheck without court approval, and you must be given notice of such court action through formal documentation. So, don\u2019t be fooled by one of the oldest collection tricks in the book, find a suitable debt resolution instead.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196310997","position":8,"url":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196310997","name":"Will I Still Be Able to Use My Credit Cards During Debt Negotiations?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"You will not be able to continue using any of the credit cards or other accounts enrolled into a Debt Settlement program. When you are negotiating to have creditors forgive half or more of the balances owed, they simply will not extend more credit unless you bring the account current again and get back on a plan to pay off the full balance.<br\/>However, at New Era we know it\u2019s difficult to make do without at least one credit card for identification and\/or emergency purposes. To that end, it is permissible for clients to maintain one card (preferably one with a small balance) outside of the debt negotiation program. This is another great benefit of the Debt Settlement approach versus other debt resolution methods, which take an all-or-nothing approach to handling your debt.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196269322","position":9,"url":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196269322","name":"What are the Differences Between Debt Settlement and Credit Counseling?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Debt Settlement and Credit Counseling are two different approaches to debt relief. The differences between tehse two forms of debt resolution primarily show up in the length of time it takes to become debt-free and the overall amount it costs to repay the principal and the accrued interest.<br\/>With Credit Counseling, you will eventually pay back all of the debt balances \u2013 plus interest and fees; whereas with Debt Settlement, you pay back only a portion of your debt load. This makes Debt Settlement a much faster path to handling your debt (2-3 years) than Credit Counseling (5-9 years). And, this means a lot less money out of your pocket.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196251634","position":10,"url":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196251634","name":"What Kind of Debt Can Be Negotiated?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"As a general rule, nearly every type of unsecured debt can be successfully negotiated. An unsecured debt is one that is not tied to a specific material item that could be repossessed by the creditor. So, an auto loan, for example, could not be included in a debt negotiation program because the creditor could legally repossess the vehicle.<br\/>Credit card debt, department store cards, signature loans, unsecured lines of credit, and revolving charge accounts are all types of debt that can be included in a debt settlement program. Some medical bills can be included in debt settlement depending on the delinquency state and the collection agency debt is with.<br\/>The main exception is student loans, which in most cases, are government-backed loans that cannot even be discharged in a bankruptcy proceeding. (Private student loans that are not sponsored by the government can be included in debt negotiations.)<br\/>Negotiating credit union debt can be challenging compared to other types of debt. Credit unions are member-owned organizations, and settling debt might affect fellow credit union members. Generally, credit union debt is considered non-negotiable. However, in some cases, negotiation may be possible with the assistance of litigation support. It's recommended to consult with a professional debt negotiation service such as\u00a0<a href=\"https:\/\/neweradebtsolutions.com\/contact-us\/\">New Era Debt Solutions<\/a>\u00a0or legal advisor to explore potential options and navigate the complexities involved in negotiating credit union debt.\u00a0","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196192705","position":11,"url":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196192705","name":"What if a Creditor Won\u2019t Negotiate?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"New Era has successfully negotiated debts with thousands of creditors all across the nation through our various debt resolution programs. In the course of business, we have established contacts with the major banks, collection agencies, and collection attorneys. Debt Settlement is recognized as a viable solution by collection industry professionals, and at New Era, we pride ourselves on the professional reputation we have established by dealing fairly with creditors.<br\/>In the rare instance where a creditor balks at accepting a reasonable settlement at the time it is proposed, it is often a matter of simply waiting for a different phase of the collection process.<br\/>Some creditors are more inclined to play \u201chardball\u201d than others, but virtually all of the major institutions eventually sell their accounts to debt purchasers in order to get what they can for the account balance. Since the debt purchasers acquire these accounts for pennies on the dollar, they are more inclined to accept a reasonable settlement offer, which still represents a profit on their purchase.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196146009","position":12,"url":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196146009","name":"Are There Debts That Can\u2019t Be Entered into a Debt Settlement Program?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Secured debts cannot be negotiated via a Debt Settlement program. This includes home loans, second or third mortgages, equity lines of credit, auto loans, and financing contracts tied to a specific piece of property that may be legally repossessed by the creditor.<br\/>Federal student loans, although unsecured, must also be excluded from a debt negotiation program. In addition, Federal and State taxes cannot be included in debt negotiation efforts.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653195926247","position":13,"url":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653195926247","name":"Can I Do Debt Settlement On My Own?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes, it is certainly possible for a consumer to negotiate his or her own debts. However, there are several important factors that should be taken into consideration before making such a decision.<br\/>First, do you have the time? For individuals with serious debt problems, the complexities of the debt negotiation process can be very time-consuming. Many people simply do not have the time to add this labor-intensive task on top of an already busy work schedule.<br\/>Second, it requires a certain kind of psychological toughness to haggle with creditors. The average consumer is hampered by the embarrassment and shame they feel over having gotten into trouble. With all the tricks, traps, and pressure tactics used by creditors, most people will find themselves better off with professional assistance when trying to negotiate a debt settlement.<br\/>Third, as with any profession, there are techniques not easily mastered by an amateur. Without professional coaching, the likely result will be high-percentage settlements in the best case and outright failure in the worst case.<br\/>When you consider that the total payout including professional fees will still be far less than your original balances, it makes more sense for the average person to obtain debt settlement help in the form of a debt resolution program rather than trying to negotiate the debt themselves.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653195901086","position":14,"url":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653195901086","name":"How Do I Know New Era is Legitimate?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"As with any large industry, there are both good and bad Debt Settlement companies in operation, and it is wise to be sure the one you choose has your best interest at heart.<br\/>New Era has been helping consumers become debt-free since 1999. We\u2019ve settled more than $275,000,000 in debt and worked with thousands of happy clients from many states around the country. But don\u2019t take our word for it. Check out our <a href=\"https:\/\/neweradebtsolutions.com\/client-success\/testimonials\/\">Testimonials page<\/a> to read or listen to our clients\u2019 stories in their own words.","inLanguage":"es"},"inLanguage":"es"},{"@type":"Question","@id":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196579673","position":15,"url":"https:\/\/neweradebtsolutions.com\/es\/vision-general-de-la-liquidacion-de-deudas\/preguntas-frecuentes-sobre-la-liquidacion-de-deudas\/#faq-question-1653196579673","name":"What Happens to My Credit Score During Debt Settlement?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Few people with debt troubles have perfect credit to begin with, and it is likely that your credit score (usually called the FICO score) will decline during the debt negotiation program.<br\/>Regardless of your credit score, we recommend against applying for new credit while going through a debt settlement program. It simply doesn\u2019t make sense to take on new debt while you\u2019re trying to tackle your existing debt problem.<br\/>The good news though, is that credit scores tend to improve quickly once a debt settlement program has been completed.","inLanguage":"es"},"inLanguage":"es"}]}},"_links":{"self":[{"href":"https:\/\/neweradebtsolutions.com\/es\/wp-json\/wp\/v2\/pages\/7520","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/neweradebtsolutions.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/neweradebtsolutions.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/neweradebtsolutions.com\/es\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/neweradebtsolutions.com\/es\/wp-json\/wp\/v2\/comments?post=7520"}],"version-history":[{"count":2,"href":"https:\/\/neweradebtsolutions.com\/es\/wp-json\/wp\/v2\/pages\/7520\/revisions"}],"predecessor-version":[{"id":7522,"href":"https:\/\/neweradebtsolutions.com\/es\/wp-json\/wp\/v2\/pages\/7520\/revisions\/7522"}],"up":[{"embeddable":true,"href":"https:\/\/neweradebtsolutions.com\/es\/wp-json\/wp\/v2\/pages\/7264"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/neweradebtsolutions.com\/es\/wp-json\/wp\/v2\/media\/7014"}],"wp:attachment":[{"href":"https:\/\/neweradebtsolutions.com\/es\/wp-json\/wp\/v2\/media?parent=7520"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}