Unsecured Debt Settlement & Credit Counseling Services, Credit Card Debt Consolidation Program

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Debt That Qualifies

Credit Cards
Store Cards
Unsecured Bank Loans
Hospital Bills
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!

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What is Unsecured Debt

Unsecured Debt is any type of debt that is not collateralized by any specified assets in the event of default. This includes credit cards, hospital bills, personal loans, and most store cards. Most Student Loans, Mortgages, Car Loans, Pay Day Loans, and Taxes are all secured debts. There are 3 approaches to debt consolidation for unsecured accounts: debt settlement, credit counseling and credit card consolidation. The last two deal primarily with reducing the interest rate of your debt load. Debt Settlement, however, addresses the issue by reducing your total debt load. Reducing the total amount of debt you owe can help you become debt free in just 1-3 years at your current monthly payment rate, or even a payment that is lower. Reducing the interest rate alone results in debt free status in 7-12 years, but it will generally take longer than that at your current monthly payment rate. Debt Settlement can save you the most time and money by reducing the total amount you will need to pay off your accounts.

Debt Settlement utilizes a vigorous debt relief strategy that saves you a lot of time and money while paying your accounts off. A Certified Debt Arbitrator is able to negotiate on your behalf a settlement on your accounts with the creditors. For a free consultation with a certified debt arbitrator fill out the form on the right.

Credit card debt consolidation is a form of debt relief where you take out a new loan, and use that loan to pay off your accounts, and then you're left with only the new loan to pay back. A debt consolidation loan is very difficult to qualify for because it is a secured loan. This means that you have to put up enough collateral to obtain the loan. Let us assist you in finding the best rate you can qualify for, by simply filling out the form to the right.

Debt counseling - A consumer credit counseling service (CCCS) is a program where you work with a non-profit organization who will help you lower your interest rates on with the creditor. Please keep in mind that although they are a non-profit organization this does not mean that they work for free. The truth is that they will usually receive stipends from the credit card companies for each client and each credit card account that they enroll. In reality this means that they actually work for the credit card companies and in turn cannot have your best interests in mind.

Our settlement averages.

This Year to Date:
$26,059,960 settled for
$10,184,560 = 39.08%

Last month November:
$2,525,500 settled for
$958,108 = 37.92%

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?