REDUCE YOUR DEBTS AND ACHIEVE FINANCIAL FREEDOM
DEBT SETTLEMENT CAN HELP YOU ACHIEVE FINANCIAL STABILITY IF YOU:
- Have overwhelming monthly credit card and loan repayments
- Want to get back on financial track
- Cannot afford to pay what you owe
- Have unexpected medical bills
- Want financial freedom
- Need a fresh start
See Your Savings
See how much money and time you can save by speaking with one of our debt relief specialists.
Enroll into Program
WHAT IS DEBT SETTLEMENT ?
Debt Settlement is a debt reduction program that works by the client setting aside a set amount of money each month. The amount you save each month is determined during your consultation and is based on the total amount of debt you enroll. As your savings builds, your creditors and/or collectors are worked with to reach agreeable settlements on each of your accounts. This process repeats until you are debt free at a reduced amount.
SOME EXAMPLES OF FINANCIAL CIRCUMSTANCES WHERE IT MAY BE GOOD TO CONSIDER DEBT SETTLEMENT ARE:
- Struggling to make minimum payments
- Unexpected medical expenses
- Behind on your minimum payments
- Job loss
- Considering filing for bankruptcy
- You do not have the money to pay what you owe.
DEBT SETTLEMENT WORKS IN 3 PHASES:
Speak with a debt expert to make sure it makes sense for you to enroll into a debt settlement program. There also may be certain debts that may not qualify to be enrolled into the program.
Every situation is different, so find out which debts you can qualify to enroll into the program by speaking with your debt expert.
If your debts qualify to be enrolled into a debt settlement program. Then you simply set aside a certain amount of funds each month into a dedicated savings account. Attorney or Certified Debt Negotiators will use those funds to negotiate down your debts with your creditors on your behalf.
Debt Relief Assessment
Negotiations & Settlement
FREQUENTLY ASKED QUESTIONS
HOW DOES YOUR PROGRAM WORK?
Following enrollment you set-aside and save a fixed amount of money each month. The amount you save each month is determined during your initial consultation and is based on the total amount of debt you enroll. As your savings builds, we work with your creditors and collectors to reach agreeable settlements on each of your accounts. Once a creditor settlement has been negotiated you will be contacted to authorize it prior to payment. This process repeats until you are debt free!
WHO QUALIFIES FOR THE PROGRAM?
HOW LONG DOES THE PROGRAM TAKE?
ARE THE SERVICE FEES PAID UP FRONT?
DO I HAVE TO INCLUDE ALL MY ACCOUNT IN THE SETTLEMENT PROGRAM?
We advise enrolling all qualifying unsecured debt accounts into the program. If you leave an active credit card outside of the program it will be more difficult to negotiate with your creditors.
WILL I BE TOTALLY DEBT FREE AFTER THE PROGRAM?
WHAT TYPES OF DEBT CAN BE ENROLLED IN THE PROGRAM?
Alleviate Financial debt settlement programs can enroll most credit cards, store cards, medical bills, and other unsecured debts. We cannot assist with collateralized debts such as mortgages, debt held at federal credit unions, and federal student loans.
DO YOU MAKE MONTHLY PAYMENTS TO MY CREDITORS?
No, we do not make monthly payments to your creditors. The purpose of the debt resolution program is to negotiate down the balance of your debts.
DO I HAVE KEEP PAYING MY CREDITORS?
CAN YOU STOP MY CREDITORS FROM CALLING ME?
ARE THERE RULES REGARDING CREDITOR CONTACT?
All collectors must abide by the FDCPA guidelines. These are rules put in place to make sure you are not being harassed. If you feel this is happening, make sure to call our account manager team. If we determine collectors are violating collection law, we can transfer you to one of our partner attorneys who specializes in debtor’s rights.