Debt Settlement / Negotiation

Debt Settlement is the most cost effective and quickest solution for consumers struggling with unsecured debt. It is rapidly becoming the most popular method used to deal high balances, high or unmanageable monthly payments, and past due accounts. A debt settlement company works directly for you as your advocate in dealing with and negotiating your high balances down with the creditors to a fraction of what you owe. Clients are usually complete in approximately 18-36 months depending on the client’s ability to save, which is typically a much shorter time frame than with other options.

It is important to know that debt settlement isn’t for everyone. In most cases your credit will be negatively impacted as your accounts will be reported as delinquent until the accounts are settled. Creditors are becoming increasingly aggressive in collection efforts, such efforts may include placing the account with a collection agency or attorney, lawsuits and even wage garnishments are not typical but may occur. In most cases if a judgment or wage garnishment has been obtained, payment plans are still able to be worked out with creditors. If your accounts have not already been charged off, you balances will continue to accrue interest and penalties for the first few months until the accounts charge off but should be taken into consideration by the settlement company when calculating your monthly payment.

If you feel Debt Consolidation is the right program for you,
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