Debt Settlement

We offer comprehensive debt negotiation and settlement services for consumers struggling with a large amount of unsecured debt.

Working with a company, you make monthly deposits into an account. The company negotiates with your creditors to accept less than the debt owed. That amount is then paid to creditors, from the account you deposited into, until the debt is resolved.

PROS

- Significant savings over making minimum payments
- One low monthly program deposit
- Faster than making minimum payments

CONS

- Debt collection calls
- Legal risk, impact to credit
- Results vary

A company that provides debt settlement doesn’t negotiate lower interest rates or send payments to your creditors. Instead, it negotiates with your creditors to settle for less than the outstanding balance of the debt and then you pay off that lower debt amount.

If you’re struggling with debt, want a low monthly program deposit, and want to resolve your debt relatively quickly, debt settlement may be the right strategy. Depending on how much you owe and to whom you owe, your debts could be resolved in as little as 24-48 months.*

Our program is not one-size-fits-all. We look at your debt, your situation, and your goals to create a custom program that offers a great chance for success. And of course, we do not charge any fees until a debt is settled and at least one payment is made on the settlement.

Also referred to as debt negotiation or debt resolution, debt settlement is designed for people who cannot make required minimum payments and/or are considering bankruptcy or credit counseling. It offers a low monthly program deposit and may help people resolve debts relatively quickly. It is not a solution for secured debts, such as a mortgage or auto loans.