What is Debt Settlement?
Many individuals have problems paying their debts on time. Or maybe, you are already behind on payments or cannot afford to stay current due to a financial or medical hardship. Debt settlement is a method to reduce those debts. Our trained debt negotiation specialists will negotiate with your creditors on your behalf to reduce your debt balances by 40-50%. We can also help you to avoid filing a costly bankruptcy.

How do I qualify for your Debt Settlement Program?
After you filled out our easy online application, a Debt Counselor will provide you with a free consultation, which includes a detailed and customized financial analysis to determine if you would benefit from the program. The last thing we want to do is put you in a program that will only provide temporary relief. Our goal is to eliminate your debt as quickly and as cheaply as possible. If you are in debt and have a legitimate hardship, chances are we can assist you. However, we do not accept everyone into our program.

What about bankruptcy?
Bankruptcy is an absolute last resort. It will have an extremely negative and lingering affect on your credit report for 7-10 years. It will also carry a horrible stigma and may affect you in other ways such as employment. You do not want to file for bankruptcy if it at all possible. If you are employed, are serious about resolving your debt, and have enough discretionary income to resolve your debt over time, you should contact us for a free initial consultation.

How about a loan?
This may already be part of the problem and an additional loan can only compound matters. Could you even qualify? And if so, you may need to secure the loan with collateral – a risky venture. If you default on a secured loan, you’ll lose the collateral, which could be your home.

Who is our perfect client?
An ideal client

• Has a debt problem he or she cannot resolve.
• Is having trouble staying current, is delinquent, or is close to being in litigation.
• Has a positive cash flow.
• Has a minimum of $10,000 in unsecured debt.
• Have some type of hardship (divorce, illness, job loss, etc.). Not a must.

What is Unsecured Debt?
Unsecured Debt is not collateralized by property and commonly includes: credit cards, medical bills, commercial debt, personal loans, and consumer debt.

What is Secured Debt?
A Secured Debt is a loan where the creditor retains a security interest in an item of real or personal property such as a house. If you fall behind on this type of debt, the lender can repossess collateral in order to collect on their outstanding debt.

Do I have to include all of my debts in your program?
You can select which debts you would like us to resolve. We recommend that you include all or most of your unsecured debt. It is important that you tell our consultants about all other unsecured debt you have. It may affect our ability to negotiate if you make payments to a creditor that is not included in our program, while not paying creditors in the program.

Will my information be kept private?
We are committed to maintaining complete confidentiality and privacy.