DEBT SETTLEMENT
Debt settlement is a legal process used by, both, people in debt and their creditors to negotiate a settlement of an existing legal debt. This proactive approach can be the most cost-effective option to pay off your current debt while avoiding the negative effects of bankruptcy. Any person owing credit card debt, or any other debt, has the legal right to contact and negotiate with the creditors. This practice, however, takes time to master and certain skills to get the maximum benefits. Debt settlement experts works diligently and professionally with your creditors, on your behalf, to settle your unsecured debt for a fraction of what you owe by arbitrating an agreed settlement amount with your creditors.
Debt settlement is an appropriate option for people who may otherwise be considering bankruptcy due to some type of financial hardship. Creditors are usually willing to settle for less than the amount owed when a person is under financial strain because if the person is forced to declare bankruptcy, the creditors often receive nothing. Debt settlement experts assists clients by establishing an affordable monthly savings goal to save money for the settlement of the debts. Ultimately as each account is settled, the creditors will consider the accounts paid with a zero balance. A debt settlement program will have an adverse effect on your credit during the program which may affect your ability to apply for new credit while your accounts are being settled. Once debt has been paid off through a settlement program, a client is then free to rebuild a solid credit profile without the burden and stress of outstanding debt.
We will set you up with an affordable monthly payment, which is determined on a client-by-client basis between you and a counselor. Based upon what you are able to pay each month into your settlement account, we can determine approximately how many months you will be part of the program, and ultimately be debt free. Throughout the program, we communicate with your creditors on your behalf and eventually you will no longer be dealing with burdensome phone calls and letters from your creditors. Debt settlement experts maintains and continues to develop relationships with creditors throughout the country. By establishing cooperative and professional relationships with each creditor we are able to reach the most favorable settlement offers for our clients. Debt settlement companies are independent companies not affiliated with your creditors which means we work directly and 100% for you!

*Estimates based on prior results; individual results will vary based on circumstances, including your ability to save sufficient funds and complete the program. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Read and understand all program materials prior to enrollment. ** At program completion if your total debt reduction is less than 3 times the Service Fees you have paid to us, we will refund a portion of those Service fees. The amount of the refund will be calculated so that the amount of Service Fees we retain is equal to only 1/3 of your total Debt Reduction. Please keep in mind that Retainer Fees are generally non-refundable.