You may qualify for our debt management program if you:
Have credit card or any unsecured debt of $7,000 or more
Were turned down to buy a car or home
Are being harassed by bill collectors
Are overwhelmed by too much credit card debt
Pay too much in interest and late fees
You are threatened with bankruptcy, lawsuits, judgments or liens
You may be required to report any settled debts exceeding $600 to the IRS. However, please contact an attorney or tax advisor for more information regarding this subject.
Many times, a creditor’s legal costs alone outweigh what you owe. However, lawsuits can happen. The good news is that by keeping a good dialogue with your creditors, you can avoid the need of a lawsuit.
When creditors charge you exorbitant interest rates, it may be legal, but it’s also usury, which is unethical and immoral. Our legal and ethical approach has worked with thousands of creditors across the country. You have already paid too much, and you are not denying them their money. But your financial hardship requires a leveling of the playing field and we will settle your debt quickly and affordably.
Once you complete the program, your settled accounts are reported to the credit bureaus as “paid for less than the full amount” and your credit may suffer a temporary negative effect. However, your willingness to pay off your debt looks more favorable to lenders than if you were to declare bankruptcy or default on the payment. Another benefit of debt settlement is that it can ultimately improve your debt-to-income ratio, which is a component of your credit score.
We accept a variety of unsecured accounts – credit cards, department stores, gas cards, medical bills, finance contracts and signature loans. The best discounts are typically on credit card. Secured debts are ineligible such as mortgages, auto loans, student loans, SBA loans, taxes.
It depends on the amount of money you owe and the amount of time it takes you to pay off the accounts. The more money you can save in settlement funds, the faster you’re debt-free. You can even send in a tax return or increase your payment at any time.
It's not impossible for your wages to be garnished. However, our top priority is to ensure that we settle your accounts long before this happens.
No. Your creditors have every right to try and contact you in order to collect an amount due. However, we will provide you with the necessary tools to help stop harassing calls.
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