Our debt relief program works, here’s why.

The general structure of most debt settlement programs is similar, but this can make it difficult to stand out from the crowd. When it comes to choosing a debt relief program, we always encourage people to do their homework on both the company and the type of program they’re offering. Debt settlement is not for everyone, a variety of factors can disqualify you from being eligible, but speaking to a certified debt consultant is the best way to find out.

Complete a free, no obligation debt consultation with one of our certified specialists.

Our certified debt consultant will review your debt with you, along with your current financial situation. This discovery consultation is necessary for us to determine if we can help you, and review the options you have for your debt. Our consultants will review your current debts and creditors, analyze the amount of interest you’re paying, and determine if you qualify for our debt relief program.

If you do qualify, our consultant will review your budget, cost of living, and other expenses, taking all into consideration to determine a single, manageable monthly payment amount. The best part about this single payment, no interest rate!

Our consultants will also guide you through the process of handling collection calls, legal letters, and other actions creditors can take to intimidate consumers.  You’ll have an expert in the industry by your side throughout the entire process.

Begin making your monthly, interest free payment to your new FDIC insured escrow account.

Once enrolled in our debt relief program, you’ll begin making a single monthly payment to an FDIC-insured escrow account.  This payment amount was determined during your debt consultation, but you can certainly adjust it as needed based on your budget. Don’t forget, this payment doesn’t include any interest, so everything you deposit is used to pay down your principle debt directly.

During this time, you’ll stop making payments directly to your creditors. This will likely result in creditors reaching out to you directly, but don’t worry, our debt consultants will work with you on how to handle these calls.

The payments you’re making into your new escrow account will need some time to build. Remember, our negotiators are experts at knowing the right time, and amount to settle for. When funds have built enough, we begin the settlement process with each of your creditors.

We negotiate your debts directly with your creditors for the best savings.

The key to successful debt settlement is knowing when to settle, and when to negotiate. Our debt negotiators are some of the top in the business, and know each creditors “sweet spot” for accepting a settlement. They use this information to get you the biggest savings on your original debt amount, in the shortest amount of time.

Settling debt is a business of timing. The creditors are eager to settle their outstanding  unsecured debts, and we can used this to our advantage. Don’t forget, a large portion of what you were paying your creditors monthly was going to interest, also known as profit for the creditor.

Now, they see your account as a risk.  Payments aren’t coming in, and they have no collateral to fall back on. During this window, creditors or collectors will begin accepting lesser amounts for unsecured debt in an effort to recoup anything they can to lessen their loss.

Celebrate your new financial freedom with family or friends… or by yourself!

Our negotiators will keep you updated on all settlements and negotiations in the works. We notify you when we’re ready to settle one of your debts to make sure you’re in the loop and aware.

Depending on the creditor, we may settle a debt in full if the price is right, or ask for a monthly payment arrangement. Again, we always make sure our clients are aware of the current settlement opportunities and will advise you on the best option when presented.

Your debt amount and types of creditors you owe play a big factor in our ability to negotiate. This is why we conduct such a thorough consultation in the beginning, it helps us save you more money, and get out of debt quicker. Once all of your creditors have been settled, the program is complete and you are officially debt free.