Debt Settlement

• Are you tired of being in DEBT?
• Are you currently in financial hardship resulting from loss of employment, divorce, injury or credit overextension?
• Thinking about alternatives to bankruptcy because you can’t stand the idea of bad credit for 10 years or more?

Then Debt Settlement is for You!

Not all Debt Settlement companies are created equal. Beware of not-for-profit companies. The entire concept of debt settlement is to represent customers and not creditors. Also, beware of companies that won’t allow you to create an affordable program. Trying to make high monthly payments you can’t afford will only get you in worse financial trouble. You need to create a program that is right for you.

Next, do not sign up with programs that want to hold your money! We offer you the option of a FDIC insured savings account only in your name. The account option provides you with a way to safely save money for your settlements. Other debt settlement companies may not provide you with this option.

Be very careful of programs that can’t provide you with monthly activity reports. Every month, every creditor should be contacted in writing telling them what you have to offer based on the program you created. Remember, the goal is to negotiate and communicate with your creditors on your behalf. If you aren’t getting proof of service in writing, how do you know that it is getting done?

Our Differences Are Clear!

1. We are a for-profit company that proudly represents our clients every day.
2. Our programs are based on the needs of our customers. Every customer enrolled into our program has a plan that they can afford to live with.
3. We use our reputation and financial power to provide our clients with the option of using a safe and secure FDIC insured savings account. We do not control or have access to any money in those accounts. The accounts and funds are the property of our customers for as long as they keep the account.
4. We are the first company in the industry to document everything we do in writing! Every month our customers get a summary of all the settlement offers sent on their behalf.
5. Our record speaks for itself.

Our program allows you to achieve savings of up to 50% or more of your credit card balances!

Get a FREE Consultation with a Debt Settlement Specialist!

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Get The Facts on Debt Settlement!

Repossessions, wage garnishment, property seizures and foreclosures are words which strike fear into the heart of every consumer.

The general assumption is that overdue debts will result in these drastic measures. Sure, if you've put up property as collateral on a loan which you are unable to pay, it will typically be seized or repossesed. But the same does not necessarily hold true for unsecured debts. In reality very few creditors will ever push for garnishment on small unsecured debts. Garnishment and seizure are a creditor's most effective weapons to collect an outstanding debt, but they are also very expensive and time-consuming to the creditor. While it is within the creditor's legal rights to pursue collections through any of these means, the cost of recovering a debt often exceeds the amount of the debt itself, and so it's not always cost efficient to force a collection.

Sadly enough, in the United States alone thousands of bankruptcies are filed every week in response to collection efforts on unsecured debts under $5000. Consumers are so intimidated by creditors that they fold under the perceived pressure, resorting to bankruptcy as a means of escaping an unsecured debt. If these same consumers had simply ignored the threatening letters and intimidating phone calls, they would have discovered that most creditors are all bark and no bite. Bankruptcy is arguably the worst type of negative listing you can have, and it is almost certain to wreak havoc on your credit report for the next ten years. You should therefore consider bankruptcy only as a last resort, and possibly never as an option to escape a relatively small, unsecured debt.