How It Works

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How Debt Settlement Works?

Debt settlement is a legal process of debt reduction in which the creditor and debtor agree on a reduced balance that, once settled, will be regarded as payment in full.

When a debtor is unable to make the minimum monthly payments or just has high debt and all the payments are just going to interest on an unsecured debt such as credit card debt or medical bills, balances continue to grow due to ongoing interest and late fees. In order to stop this cycle of ever-increasing debt, negotiations between the debtor and the creditor can result in a reduced balance that the debtor can realistically pay off with regular payments.

Debt settlements can lower debt balances dramatically and save debtors from the stigma of bankruptcy. The creditor, who risks losing all monies owed if bankruptcy is filed, still regains a large part of the debt.

Debt settlement can truly be a winning solution all around by avoiding bankruptcy, stopping creditor harassment, satisfying your debts and saving money!