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Take Your First Step Towards Debt Free Life
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Debt Settlement Offers
  • Reduce monthly payments into half.
  • Decide your single Monthly payment.
  • Eliminate debt in 12-48 months.
  • Reduce your debt up to 50% .
  • Eliminate stress of overwhelming debt
  • Avoid Bankruptcy.
  • Eliminate collection calls.
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We Help With
  • Credit Card Debt
  • Unpaid Medical Bills
  • Business Credit Card
  • Unsecured line of Credit
  • Credit Union Debt
  • Utility Bills Debt
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For a FREE Consulation fill out the   form below
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Real helpful and professional staff. Helped me avoid bankruptcy and become debt free. Patricia M, CA

These guys helped me avoid bankruptcy and get out of debt in less than 10 months. Unbelievable. Now i can really start a new life. Being debt free is what I'm looking forward to. Thanks again. Curtis M, CA

Your company has demonstrated that you are one of the best debt settlement companies by saving me more than $15,000. I really appreciate all the services your company provided during this critical period of my life. Tarsha J, FL

You have no idea how happy I am today. Thank god I called you guys and signed up for the debt settlement program. It has really changed my life. Now I am absolutely debt free, no collection calls, no credit card debt, complete debtfree living. Now I make sure I follow your advice about how to manage a debt free life and plan to die debt free. Willie D, CO

Last summer i lost my job. 2 -3 months i lived on my credit cards, but when i was not able to pay my credit card bills on time, i started having problems. More than finding a job, i wanted to get rid of debt. The only thing i could dream of was how to become debt free. A friend of mine told me about your company. I am really greatful to him for guiding me that day. Immediately i called up your debt settlement company. Today i am on my way to be debt free. Philip C, FL

When I could not meet the payments and the phone calls from creditors started to bother me every day, a friend of our family told me about your debt settlement program. After a year and a half, I paid off the loans and I could not have done it without your help. Willie D, MA

Thank you for doing such a wonderful job settling my credit card debts. So, once and for all, I will finally be able to get on with my life debt free. And I can breathe easier knowing that my debt is paid off. Thank you so very much. Johnny F, CA

I was searching the internet for a bankruptcy lawyer in my area. I don't know why all of a sudden i thought of some alternate, i did some research and came to this website. I called the toll free number spoke to Mary, a sweet, helpful girl. She briefed me about the complete program, asked me to sign some documents and gave me a plan which was affordable to me. They even helped me manage the rude calls from the collection department and briefed me about some laws that the collection agencies have to follow. I signed up for the program about 6 months ago. It will take me another 32 months to be debt free, but I am extremely happy that I found this website about 6 months ago. Arthur K, CO

Debt Settlement and Calls from Creditors

One of the most important drawbacks of debt settlement program is that calls from creditors and collection companies will persist while the client is in the debt settlement program.

Debt settlement typically operates wherein the client stops making payments to his creditors directly. Moreover, most of the debt settlement companies suggest their clients not to speak to their creditors directly. However, collection companies and creditors keep calling and "harassing" debt settlement clients and often tell them how "bad" a debt settlement program is in order to keep collecting debts, and creditors usually don't stop calling until they are paid, getting payments, or forced to stop calling by some legal mechanism.

Before we proceed further, it is important to know about FDCPA (Fair Debt Practices Collection Act).

The Fair Debt Collection Practices Act is an Act which creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. Its purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information's accuracy.

FDPCA is a federal law which protects clients from being called too late or too early or at specific times of the day, being threatened with harm, from relatives or neighbors being called, being verbally abused etc. Clients also have an option to tell creditors or collection companies to not call them at work or call their cell phone as these could cause unjust harm to client's finances. Clients can also request in writing not receiving any calls at all, using a "cease and desist" letter.
FDCPA has certain uncovered areas:
1. FDCPA is only applicable to collection agencies and some debts are held for long periods of time by original creditors.
2. Collection agencies use a variety of techniques to not comply with the FDCPA. To name some, ignoring it altogether!
Cease and desist letters are often ignored as well and the phone keeps on ringing. Unless the client has an ability to either record calls or hire an attorney or maintain a strict log of violations and calls, these violations will continue unabated.
A new service provided by DAAN group utilizing a new technology solves the problems described here. The technology allows for calls to be immediately routed to a law firm which monitors FDCPA violations and forwards the calls to the correct debt settlement company. The technology is easily installed into any home phone, the most problematic source of creditor phone calls. Over time, with correct usage of the DAAN technology, creditors typically find themselves no other outlet than to settle with the intermediary company.

There are few debt settlement companies that provide DAAN services to their clients. This helps the clients manage collection calls and live a peaceful life. Always make sure your debt settlement company offers you protection from collection calls.


Latest News

Just so far this year, the government gave away $800 billion in free government money - much of which was sent to individuals for their personal use. With debt relief grants, tax paying citizens can obtain $17,000 or more, regardless of income or credit. More News

Debt consolidation is a financial field that has been around for a very
long time and some of the largest banks in the world offer debt assistance programs, but lately there has been an increase in the number of organizations that focus only on debt consolidation and that has people asking questions. More News

Getting out of debt will take a plan. It will take waking up one morning and deciding you can no longer live with the stress of your financial obligations. At that point, you should research credit counseling, debt settlement, bankruptcy and making your own plan for paying off your debt. More News

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Copyright © 2007-2008 Unsecured Debt Settlement
Debts Free Life does not assume or pay any debt, nor does it give legal advice, offer credit repair or help stop creditor & collector calls. Individual Results Vary and are dependent on successful completion of program and ability to save funds. Debt Settlement estimates of 40-60% are examples of past performance and are not intended to be a guarantee of future settlement results. Results may vary based on individual circumstances