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

Resolve your enrolled debts in 12-48 months through our debt settlement program.

Get Relief

Get your financial freedom back and begin a new future.

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 into a specialty savings account.  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 idea 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 Relief Assessment

Account Management

Negotiations & Settlement


How Debt Settlement Works? 

Debt settlement works in 3 phases:

  1. Speak with a debt specialist to make sure it makes sense for you to enroll into a debt settlement program.

Every situation is different, so find out which debts you can qualify to enroll into the program by speaking with our debt relief specialists.

  1. If your debts qualify to be enrolled into a debt settlement program you will simply set aside a certain amount of money each month into a dedicated speciality savings account.  The amount you save each month is typically much lower than all current minimums combined.  This will free up cash flow immediately. 

Attorney’s or Certified Debt Negotiators will use those funds to negotiate down your debts with your creditors on your behalf. 

  1. Once your creditors and our negotiators reach a settlement offer that you agree to, you will simply pay that settlement amount and you have officially resolved that debt at substantial discount.

FAQ’s: (*expandable)

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 debts 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?

The program is designed for anyone in financial hardship who is falling behind or having problems making minimum payments to creditors on their unsecured debts. You must have a minimum of $10,000 in total unsecured debt and a minimum balance of $500 with each individual creditor.

How long does the program take?

The average time it takes for each client is 24 48 months; however, it really depends on your ability to save the funds that will satisfy the amount of your settled debts. The program length is an estimate and not a guaranteed time frame.

Are the service fees paid up front?

No! We work through your accounts one by one until they are all settled, collecting our fee as they go. As a general principle we don’t collect any fees until an account has been settled.

Do I have to include all my accounts in the settlement program?

No, sometimes it is a good idea to keep a small individual credit card open for emergency purposes. 

Will I be totally debt free after the program? 

We will do our best to negotiate satisfactory settlements on every account that is enrolled into a program. Unfortunately, our program does not have any effect on debts that remain unenrolled. The most important advice we can give our clients is to adhere to the program payment plan and work towards an on-time graduation.

What types of debt can be enrolled in the program?

Debt settlement programs can enroll most credit cards, store cards, medical bills, unsecured loans, 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 this debt reduction program is to negotiate down the balance of your debts.

Do I have to keep paying my creditors?

It is our understanding that you have enrolled in this program because you are in financial hardship and are unable to make payments to your creditors. If you are able to pay your creditors every month, then it is in your best interest to do so and this program may not be the right program for you.

Can you stop my creditors from calling me?

Receiving calls is normal when you are in hardship and behind on your payments. It would happen whether you are on the program or not. A creditor has a right to call you to collect payment, and there is no way for anyone to make the calls stop completely. However, we provide all our clients with information in our Welcome Package which will help in dealing with collector calls.

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.

What do I say if a creditor or collector calls?

Since you are in true hardship and cannot afford to pay your creditors, the best thing to do is to inform them that you wish for them to send all communications to you in writing. There is no law that says you have to talk with your creditors. The main thing you should do if you are being bothered by a collector is call our client support team so they can explain the best way to handle the calls.

What should I do with letters I get from my creditors?

You can send us any mail you receive however, we prefer it faxed or emailed.

When do you start negotiating?

Each situation is unique; therefore the time in which we begin to negotiate settlements will be different depending on various factors (amount of debt, stage of delinquency, type of creditor, your income, etc). In some cases, we will contact them right when the program begins and in some cases we will contact them some months later. Our staff is trained in knowing when the best time to initiate negotiations on the account is. Keep in mind that if we call too soon, it can have a negative impact and cause escalated collection activity.

Will all my debts be settled at 45%

Individual results may vary. Your monthly savings plan is based on the average settlement. If your total settlements average lower than the initial estimate, then you will have money left over in your account or you will finish the program sooner. However, if your total settlements average higher than the initial estimate, then you will either be in the program longer or be asked to add additional funds to your account.

Is my trust account the same as a regular bank account?

The account you open is with an FDIC insured specialty bank account. Keep in mind that the only way to access it will be through the administrator however you will receive bank statements on a regular basis.

How are settlements authorized?

Once we have reached an acceptable settlement with one of your creditors, we will fax, mail or email you the settlement offer to get your final approval. 

Do I have online access to my account?

Yes, you will receive a Welcome Pack  which provides your account username & password.

Can I be sued by my creditors?

Yes, it is possible to be sued by one of your creditors. If you receive a summons or any other legal document from any of your creditors, make sure that you fax it to us immediately. While we are not able to stop a creditor from suing you, we will do everything in our power to expedite a settlement and reduce any stress or problems associated with litigation.

What happens if I get sued by my creditors?

If you receive a summons or any other legal document from any of your creditors, make sure that you fax it to us immediately. We have established a relationship with a nationwide law firm who will handle your case and assist with expedited negotiations.

How often do your clients get sued?

It is impossible to accurately pinpoint the exact chances of being sued because each person’s situation is different however in our experience only a small handful of clients end up in court. The chances of litigation vary depending on your income, employment, hardship, and many other factors.

How may a debt collector contact me?

A debt collector may contact you in person, by mail, telephone, or fax.

What are my options if my creditors violate collections laws?

You have the right to bring suit against a collector in certain cases. We will be monitoring your creditor contact and evaluating the correspondence sent to you. If a law has been broken we have a relationship with a debtor’s rights firm that will file an action for you.

What must the debt collector tell you about the debt?

A collector has five days after initial contact to provide written notice detailing the debt owed, creditor, and what you can do if you feel they have made an error.

May a debt collector contact anyone else about my debt?

A collector may only contact third parties to find out how to contact the debtor. They may not identify themselves to third parties as debt collectors nor may they indicate that you are in debt.

Does debt settlement have a negative impact on my credit?

Yes. The program will have a negative impact on your credit. Credit bureaus are notified throughout the settlement process. If you are experiencing a financial hardship your priority should be to pay off your debts as this will set the foundation for rebuilding your credit.

Do you offer credit repair services?

No, legitimate negative marks on a credit report cannot be removed. Your credit rating will begin to heal once the program is completed, provided your credit history is good on all the other accounts on your report.

Are there any tax consequences?

Under IRS rules creditors are allowed to report settled debts exceeding $600 as a loss. In this event the settlement must be reported by you as income. You should consult with your tax preparer for specific advice on the tax consequences of forgiven debt and how it applies to your financial situation.


Leave a Reply