Credit Card Debt Settlement & Negotiation Program

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Debt That Qualifies

Credit Cards
Store Cards
Unsecured Bank Loans
Personal Loans

Non Qualified Debt

Student Loans
Mortgage Loans
Car Loans
Taxes
Less than $10,000 total

We are a Professional Debt Negotiation Company. Settle your UNSECURED Debt for MUCH less- Don't Procrastinate, Negotiate.

Find out more about our debt settlement program. You can reduce your credit card debt and start living free once again. A debt-free future requires action!

Minimum payments are a trap. If you are making only minimum payments on $25,000 of credit card debt, at an 18.9% interest rate, it would take around 35 years to pay it off. Even worse, you’d tack on $38,974 in interest to the original balance!

Debt consolidation loans are not always the best answer. In reality, 78% of consumers’ credit card debt grows back to the original amount after taking out a debt consolidation loan. If the consumer cannot learn to apply beneficial spending and saving habits, a loan usually only complicates bad financial habits.

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Credit Card Debt Consolidation

Credit card debt consolidation can be done in a couple ways. You can get a loan to cover all of your credit card debt and then pay off the loan. This is ideal, if you can get a loan. For those that can't get a loan, which is becoming more and more difficult in today's economy, debt settlement can be considered a form of debt consolidation. You will not be getting a loan. You will, however; be making one monthly payment towards all of your unsecured debt. This money will be saved in a "special purpose account" set up in your name and will then be used to pay off your debts one by one until all debts are paid off. The advantage to this method over traditional debt consolidation is that the debts will be settled for much less than the full balance owed. The disadvantage is that your credit will take a hit. If you are not able to qualify for a debt consolidation loan, then your credit is probably hurting already anyway. So, if your credit rating is your primary concern, debt settlement is probably not the way to go. If paying off your debt is your primary concern, then debt settlement is certainly the most efficient way to get the job done.

Our settlement averages.

Last Year 2009:
$44,395,510 settled for
$15,966,330 = 35.58%

Year to Date 2010:
$31,666,235 settled for
$11,061,582 = 34.93%

Last month July:
$4,067,946 settled for
$1,404,461= 34.53%

The settlement results shown above reflect actual settlements negotiated with our customers' creditors and debt balances at the time of settlement. They do not include the fees paid by our customers for our services or the services of third party administrators.
This statement is an example of past performance and is not intended to be a guarantee of any future settlement results.

Past Months

The Current Financial Crisis Impact on Debt Settlement
Hello, America. It seems our excess has finally caught up with us. It’s not surprising that this would eventually happen. When an economy is constructed not on value, but on debt; it is virtually inevitable.

Creating a Household Budget
One of the key elements of a debt settlement program is helping you gain control of your household income. If you expect to be truly debt-free, gaining and maintaining control of your income and how you spend it must be your top priority.

Living Within Your Budget
So now you have created your household budget. Congratulations! But now how do you make sure you can stick with it? With the financial pressures of today, how do you ensure that you can live within your budget each month?

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