What is Debt Settlement or Debt Reduction?

Debt Settlement, sometimes called “debt reduction”, is a program that aims to reduce down your outstanding balances in a very drastic way to result in becoming debt free.

You will be entrusting the services of a skilled debt negotiator, who will work on your behalf, facing the creditors head on with a balanced Debt Settlement Program.

Debt Settlement is not a Program for Everybody

During the negotiation process your accounts will need to get, and stay, severely delinquent. This is necessary so that the maximum settlements can be achieved by your negotiator with your outstanding creditors. The results can many times be very significant, taking into account the amount that would have had to have been paid down and the years it would have taken, under the normal repayment schedules.

For many people, the trade off of potential harm to their credit rating is worth it when the take into consideration the peace of mind of being completely Debt Free.

The Debt Settlement Benefits Include:

Reduction in Monthly Debt Payments
Repayment Plans that you select towards debt reduction
Significant Reduction of Total Balances to bring you closer to being Debt Free
Professional Debt Negotiator to assist your Debt Settlement along the way

When you enroll in debt settlement you are essentially allowing the agency to negotiate, on your behalf, settlements on all of your balances. Your negotiator will make prudent decisions, based on your monthly expenses/income and any existing hardships your or your family are facing (lose of job, illness, unexpected expense). Negotiations are based on a combination of industry trends, the past experience of the negotiating firm, and any gathered information that documents a financial hardship.

Debt Settlement may be your solution if you can answer YES to 2 or more of the following:

My debt accounts are behind, or about to be
My balances over $12,000
My Monthly Debt Payments exceed my income
I get Debt Collection Calls
I am contacted by Law Firms
I am dealing with Collection Agencies
I have been served a Judgement
I am getting my wages Garnished
I have experienced a Recent Financial Hardship that does not appear to be ending soon
My financial situation is Causing Stress in my life.
Contemplating Bankruptcy
Contemplating Suicide

If you would like to learn more about how debt settlement may be an option for your specific situation please fill out This brief Debt Settlement Information Request for a free application. You will be contacted one of our accredited agencies within a few hours (24 the max.) OR, please call out toll free number 877-507 3328 (DEBT) to speak with a live representative who can help you RIGHT NOW.