Debt Settlement, also known as debt negotiation, involves a personalized plan that successfully enables a negotiator to settle unsecured debts until settled.  Once the creditor and debt settlement negotiator agree on a reduced balance it will be viewed as payment in full by the creditor.  Debt reduction has become a practical alternative for many thousands of consumers across the country and is the most sufficient alternative to bankruptcy.

Is Debt Settlement Right For You

Ask yourself these questions

• Do you have some type of hardship such as (illness, disability, divorce, job loss, or a reduction in pay) and are you having difficulty making payments on your credit card debt?

Do you have past due credit card debt in excess of $5,000, with high interest rates and unsustainable payments such that you are considering filing bankruptcy?

Do you have debt problem that you cannot resolve?

Are you having trouble staying current and are delinquent on your accounts or receiving collection calls or is close to having suit for a judgment filed against you?

Have you considered bankruptcy, but would like to avoid it? In many cases most consumers cannot qualify for Ch. 7.