Debt Settlement Solutions
Negotiate with creditors to reduce your debt by 40-60% and become debt-free faster
Benefits of Debt Settlement
Debt settlement allows you to pay significantly less than the full amount owed, with typical reductions of 40-60% on the original balance.
- ✓ Average settlement savings of 40-60%
- ✓ Eliminate thousands in principal balance
- ✓ Stop ongoing interest accumulation
While minimum payments can keep you in debt for decades, settlement programs typically resolve all your debts within 24-48 months.
- ✓ Complete program in 24-48 months on average
- ✓ 5-10x faster than minimum payments
- ✓ Clear path to financial freedom
Replace multiple high minimum payments with one affordable monthly program deposit designed to fit your budget.
- ✓ One monthly program deposit
- ✓ Typically 30-50% lower than minimum payments
- ✓ Simplified financial management
Our experienced negotiators know how to secure the best possible settlements from creditors, leveraging industry relationships and expertise.
- ✓ Expert negotiators work on your behalf
- ✓ Leverage creditor relationships for better terms
- ✓ Legally binding written agreements
We handle all creditor communication on your behalf, which can significantly reduce or eliminate collection calls and harassment.
- ✓ Redirect creditor calls to our team
- ✓ Reduce stress and anxiety from collections
- ✓ Protect your rights under FDCPA laws
All settlements are secured with legally binding documentation that protects you and ensures creditors honor the agreements.
- ✓ Written settlement agreements
- ✓ Debt forgiveness documentation
- ✓ Zero balance confirmation letters
Our Debt Settlement Process
Free Debt Analysis
We begin with a comprehensive review of your financial situation:
- Complete inventory of all unsecured debts and balances
- Assessment of your current financial hardship situation
- Evaluation of your budget and ability to make settlement payments
- Determination of potential settlement amounts for each debt
Types of Debts We Can Settle
Credit Card Debt
Major credit cards, store cards, and retail credit accounts typically settle for 40-60% of the balance, offering some of the best settlement percentages.
Personal Loans
Unsecured personal loans from banks, credit unions, and online lenders can often be settled for less than the full balance, typically 50-70%.
Medical Debt
Medical bills are often highly negotiable, with settlements typically ranging from 30-50% of the original amount, making them ideal for the settlement process.
Collection Accounts
Debts that have been sold to collection agencies are often settled for 30-50% of the balance, as collection agencies purchase these debts for pennies on the dollar.
Old Defaulted Accounts
Accounts that have been in default for longer periods often settle for the lowest percentages, sometimes as low as 20-30% of the original balance.
Private Student Loans
While federal student loans are not eligible, private student loans can sometimes be settled, typically for 40-70% of the balance depending on the lender.
Debt Settlement Success Stories
James D. from Florida
James had accumulated $42,000 in credit card debt across 6 cards following a period of unemployment. After struggling with minimum payments for 2 years, he enrolled in our settlement program. We negotiated settlements ranging from 35-45% of his balances.
Original Debt:
$42,000
Settled For:
$16,800 (40%)
Lisa & Mark T.
After Mark's medical issues forced him to stop working, this couple found themselves with $63,000 in credit card and medical debt. We negotiated settlements with all 8 creditors, with an average settlement of 38% of the original balances.
Original Debt:
$63,000
Settled For:
$23,940 (38%)
Patricia N. from Illinois
Patricia had $28,000 in debts that had gone to collections following a divorce. She was receiving multiple collection calls daily and facing potential lawsuits. We negotiated settlements with all collection agencies for an average of 31%.
Original Debt:
$28,000
Settled For:
$8,680 (31%)
Get Your Free Debt Settlement Assessment
Ready to Reduce Your Debt?
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