What is a Debt Settlement?

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If you owe $5,000 or more in unsecured debt such as credit cards, loans, medical bills, collection accounts etc. FCCM’s Debt Relief program may be able to help you.

The first step is to call or fill out this form for a free consultation. We will speak with you about your specific situation and to understand your goals. We will evaluate the types of accounts you have and then create a custom debt relief program that fits your needs. This includes a free savings estimate and determining a comfortable savings amount that you can commit to setting aside each month to go toward resolving your debt. This monthly savings amount will accumulate in a dedicated savings account that you set up and control.

Once we establish an affordable monthly program payment and you enroll in FCCM’s program. We begin working on your behalf immediately. As your funds accrue in your dedicated savings account, we are negotiating with your creditors to settle your enrolled debts. We will remain in contact with you throughout the entire process and let you know when we are about to reach an agreement with each creditor. You will then have the opportunity to approve the settlement.

Once a settlement is negotiated and a payment is made toward that settlement, you pay the fee associated with that account. So we only earn our fees after we get you results!

After the account is settled in full, we request that your creditor updates your credit report to reflect that you have settled the account in full and report a zero balance. At this point we will continue working on the remaining enrolled accounts until they are all resolved.