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Debt Settlement Made Easy!
Our goal is your goal - Save you the most possible money and get resolution as quickly as possible!
Don't Declare Bankruptcy!
Debt settlement may be a way to keep from having to declare bankruptcy. Debt settlement companies work to negotiate with your creditors to lower your debts. Then, if they are successful in reducing the amount you owe, you can reverse the downward spiral and save yourself from the embarrassment and intrusive court-mandated controls of bankruptcy.
There are better options than the embarrassment and court controlled bankruptcy. Debt settlement stops the growing mountain of fees and interest – negotiates lower debt with your creditors - puts you back in control of your life.
There Are Better Options
Lay-offs, unexpected medical bills, or just plain surprises that life throws at us and before you know it, you can't meet those monthly obligations.
Sure you want to tough it out but when it spirals out of control you can't let it take you down, can you?
Before long those extra fees and growing interest rates start piling up until there's no air left and when you start thinking bankruptcy then it's time to let us help.

It can happen to just about anyone - anytime.
What can you do NOW to get immediate relief?
Learn – knowledge is power

Negotiate – You can't get help unless you ask for it.

Resolve – Get your settlement offer and sleep better tonight

Frequently Asked Questions

If you're considering debt settlement, you probably have dozens of questions about how this debt relief option works. Here are answers to some of the most common questions.

What is debt settlement?
Debt settlement is a process that lets you pay a percentage of your outstanding debt after negotiations with your creditor. As a ressult, the creditor cancels the remainder of your debt. For example, your creditor might settle a $10,000 debt for just $4,000. The creditor cancels the remaining $6,000. Specific results vary by creditor, but debts are generally settled for 10% to 75% of the outstanding debt.
A Good reason  to consider debt settlement would be if you're experiencing financial difficulty, you can't pay off the debt on your own in 2-4 years or you're on the brink of bankruptcy.

Which is better, debt settlement, credit counseling or debt consolidation?
The best option depends on your specific situation. Debt settlement has some benefits over credit counseling and debt consolidation.  In some cases, your debt settlement payments can be lower than those on a credit counseling agency's debt settlement plan. Debt consolidation also requires a higher credit rating than settlement.

Why do I need a debt settlement company? Can't I do this on my own?
Sure you can if you have the experience and expertise to do so. The negotiations, details and regulations are complex and can be confusing for most people Our experts   what it takes to negotiate successful settlements with creditors. Plus, you generally must be disciplined in saving up for a settlement. If you miss payments or dip into your settlement savings, your debt settlement progress likely gets set back.

Does debt settlement ruin my credit?
There is potential damage to your credit rating. In fact, federal law requires debt relief companies to let you know any negative consequences of debt relief. Your credit rating can be negatively affected if you go through debt settlement. The specific damage you receive depends on several factors, including your credit rating at the time of debt settlement.

Debt settlement will only remain on your credit report for up to seven years. Fortunately, you can work on improving your credit score as soon as you've completed the settlement program.

Debt settlement is not for everyone. Debt settlement does not work for all types of debt and like declaring bankruptcy, debt settlement will wreak havoc on your credit reports and your credit score. Debt settlement should not be taken lightly and should only be considered when you are nearing the end of your rope. But if you are afraid that bankruptcy is on the horizon, it is worth investigating debt settlement as an option.
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