• SAVE money: Creditors charge you late payment fee, over the limit fee and maybe few other fees when your debt becomes delinquent. In a debt settlement program, most of the times, you are supposed to pay 40% - 60% of the original amount. Thus huge savings for you.

• One single monthly payment: You do not have to write 10 checks; you need to make one single monthly payment towards your trust account.

• You decide your payments: In this program, you decide how much you can afford every month.

• The biggest benefit is you become debt free: If you keep paying your minimum monthly payments to your creditors and do not spend a single dollar on your credit card, it might take years for you to get out of debt. Please try our Free Debt calculator.

Is Debt Settlement the best option for you?
Debt settlement is a good option for you if:

• You are facing financial hardship.
• You are finding it really difficult to keep up with your monthly payments.
• You are considering bankruptcy.

Read this to know why Debt Settlement is better than Bankruptcy.

Do you qualify for Debt settlement?
Almost all types of unsecured debt qualify for Debt settlement.
Here is a list of some of the debts that can be settled.

• Credit Card Debt

• Store card debt

• Unpaid medical bills

• Credit union credit card debt

• Old utility bills

• Unsecured Personal Loans

• Pay Day Loans

• Private Student Loans

How to settle your debt?
You can settle your debt on your own; all you need to do is contact your creditors; however we would suggest you to hire a Debt settlement company. The process of debt settlement is not that tough. Typically, all debt settlement companies create a trust account for you. Every month you save some money in that trust account. The settlement company then negotiates with your creditors or collection companies for a reduced and affordable amount. An efficient settlement company can reduce the payable amount to 40% - 60% of your original amount. If you want to Do it on Your own, please feel free to read our guide on Debt Settlement, Do it Yourself.

It is possible that creditors and collection agencies deny negotiating with you. They prefer to create pressure on you to collect more money. They might threaten you. Even if they agree to negotiate with you, they are unlikely to give you a good deal. We have settled many accounts at 20% of original debt in the past. Thus it is always better to employ a reputed debt settlement company. The settlement companies have the experience and know very well how to deal with creditors and collection agencies. In short, it is better to leave the job to pros.
Moreover, how would you like to spend your free time?

1. Dealing with tough collection companies or
   
   Enjoy with your family.
   

Why us?
There are many reasons why you should opt for us:

• Years of experience in Debt settlement.

• Hundreds of customers who have benefited from our services.

• You decide your monthly payments, as per your budget. We give you different options; you choose the best that suits you.

• We open a trust account in your name. You own the account, you own your money.

• We charge a very nominal fee and thus save you the most.

• We work out a deal with your creditors and inform you, if you like it, we do the settlement.

• Avoid bankruptcy that can follow you for 10 years.

• Collection calls protection: We coach you how to handle rude collectors. Fair Debt Collection Practices Act is the law that regulates debt collection practices. We educate you about your rights and the law, thus empower you to handle collectors.

• Free Credit restoration: We offer 3-5 rounds of credit restoration free of cost.

• Knowledge sharing: We brief you about laws that govern the collection practices. (FDCPA)

• Highly trained staff to suggest you the best option as per your financial condition.

• Excellent customer service department: We listen and act. If you face any type of problem during the program, all you need to do is call our Customer service department.