Welcome to the only model in credit card debt settlement / negotiation with no upfront fee.

Credit Card Debt.
Credit card debt is easy to get into. Unfortunately, it has also been designed to be nearly impossible to get out of. Minimum payments can keep a consumer on the hook for 30 years or more. In this time, he/she will have typically paid back the original debt – ten times! Obviously, making only the minimum payment is not an effective way to get out of debt. But when a financial hardship inevitably occurs, it gives the credit card companies a reason to increase interest rates, making even the minimum payments unaffordable. We understand how devastating this practice is. That is why we are committed to a debt settlement model designed to work for you - the consumer.

What makes Superior Debt Relief Services different?
First, we are (at the time of this writing) the only debt negotiation company that saves you money before we get paid. All other debt settlement companies will charge fees before settling even one of your debts. We believe such an approach is detrimental to the consumer that is already struggling to make ends meet. We defer being paid until you see results. Don’t be mislead by the non-profit status of many companies out there, nobody works for free. These non-profit entities are set up by the credit card companies and have only their own best interests in mind. We are only paid fees if we save you money, and that is our incentive to get the best results possible for you.

Second, we give you a full 90 days to rescind the contract if you are unhappy with our services, or decide another route is more appropriate. This is a length of time that is unheard of in this or any other industry. We are that confident that you will be satisfied. While most debt relief companies have a sales team larger than the customer service department in order to bring new clients in faster than they drop out of the program, we take the opposite approach. We believe that client retention will make us successful. Our sales team is comprised of educated and trained financial advisors and this department only accounts for 1/6 of our total workforce. We spend relatively little on marketing; most of our business is generated by word of mouth and the positive reviews across the Internet and BBB. And that is why we have the best client retention rate in the debt reduction industry.

Third, we really do what we say we will do. The settlement numbers that you see on this page are not some JavaScript program that incrementally increases statistics with length of visitation. These are real numbers that we post every month. We include any and all settlements processed within a given month. These numbers do not include settlements for student loans, secured debt, mortgages, etc. We will tell you upfront that these are not types of debt we can work with – any company that tells you differently should be viewed with great skepticism.

So what is debt settlement? Will it work for me?
Debt settlement is a legal, logical, and ethical way to get out of credit card debt. You will save money in an account that we will use to offer settlements to your creditors. The incentive for your creditors to settle a debt becomes clear once there is a possibility that they may collect nothing on the debt if you were left with no choice but to file for bankruptcy protection. Your incentive to settle is to avoid bankruptcy and to ethically discharge your debts. Our record for success with debt relief is indisputable - but we encourage you to research all methods available. Debt settlement is not for everybody. Sometimes, bankruptcy is unavoidable. Our financial advisors can, at the very least, point you in the right direction.