Debt Settlements

Debt Settlement Plans



Reduce your debt by up to 70%

Be debt free in as little as 12 months

Lower your monthly payments by up to 50%

Make one simple monthly payment

Don’t risk your home or other personal property

Reduce your stress



Debt Negotiation is a service that was developed to help people who can no longer afford to pay their monthly minimums and do not want to file for bankruptcy. Debt Negotiation is a legal process whereby a consumer retains the services of a professional debt-negotiation organization to represent them in negotiations with that individual’s creditors. Qualified Debt Negotiation professionals and attorneys leverage federal and state consumer laws, as well as their existing relationships with major creditors, to negotiate the repayment of the consumer’s unsecured debts for significantly less than the full amount.



Hypothetical Example of a Debt Negotiation Service



Credit Card #1 Balance Owed: $8,400. Negotiated to $4,200

Charged Off Account Balance Owed: $15,000. Negotiated to $7,200

Account in Collections Balance Owed: $3,600 Negotiated to $2,000

Total: $27,000 in debt reduced to $13,400



In the example above, our Negotiators were able to negotiate a total settlement amount of $13,400. That equates to a savings of $13,600 or approximately 50% of the total debt originally owed.



Debt Negotiation is the fastest growing and most effective alternative to bankruptcy. Debt Negotiation is not the same as Consumer Credit Counseling or Debt Consolidation. By retaining our professional services to facilitate a Debt Negotiation, our clients can expect to benefit from the use of the most effective Debt Negotiation strategies available and also to receive counseling on rights and protections against the often predatory practices of debt collectors. Our goal is to not only save our clients money, but to also uphold and defend their consumer rights as granted by the Fair Credit Billing Act, the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.