Debt relief grant is a service launched years ago to help people get rid of unsecured debt legally. This service has helped people by reducing certain percentage of their debt and by making the payment of the rest of the amount of loan in the most convenient manner. Earlier very few people knew about this service and therefore the money which was kept by the government for this purpose was used in other services.
Debt settlement program is a situation in which the creditors on the request of the debt consolidators forgive certain amount of money of the debtor. Furthermore, there is a complete plan made by the debt settlement company to help the debtor pay off the remaining amount of loan in the easiest manner. Sometimes the creditor also reduces the interest rate of the loan in order to at least get back the principal amount of the loan back. This service was acknowledged by the people who got to live a debt free life with the help of it.
A time came when people got to know about this amazing service provided by the government and thus they started applying in the companies authorized by the government for this purpose. The effect of so many people applying for this grant was that a lot fake companies entered the market and thus started creating problems for those who got in their trap. They told them that they will get them the best deal and thus charged excessive amount of money as fees and then later on when the time of showing results came they told the clients that their application has been rejected as they do not qualify for the grant.
When some of these cases were brought in the knowledge of the government and the time of taking action against these forged companies came they government introduced certain laws regarding this industry and thus people where able to differentiate between the authentic and the fake companies. One of the major laws in the new set of laws was that the companies will not charge any upfront fees until and unless the client is completely satisfied regarding the services provided by the company. Moreover, if the client is not satisfied with the services and thinks that he/she could have gotten a better debt settlement program if the company would have been a little more efficient then also the client has complete permission from the government to step out of the company without paying a single penny.
Remember this program can only be made by a professional so never try to call the credit card company personally and try to convince them in giving a relief as this way you will only ruin your case. The credit card company would only want to talk to a professional person in this matter and not an individual who wants to fight its own case. Since these companies know how to go about the situation therefore they will first take complete knowledge about your condition and then advice you that which grant is suitable for you and thus talk to the creditor about it.