What do we do?

We administer debt settlement programs for consumers by providing customer service and debt negotiation services.

What is the best way to contact you?

We prioritize online inquiries via our web site. Every inquiry, whether online, mail or phone is assigned a unique ticket number, thus ensuring everyone is dealt with in an efficient and timely manner.

When do you settle my debts?

Debt settlement timing is based on many factors, the most important of which is making sure the debtor has the funds required in their savings account to settle the debt. Other factors are debt size, pressure from creditor and age of debt (from original default date). 

How will you settle my debt?

You will be asked to save a set amount of settlement funds on a monthly basis. This amount will be determined in your initial consultation by a debt consultant and is based upon the total amount of debt owed and what you can afford on a monthly basis depending on your income and expense budget. 

Does debt settlement have a negative impact on my credit?

The first step to a sound financial future is to recognize you have a debt problem, not a credit problem.  Your credit has probably been affected negatively due to the insurmountable debt you have accumulated. So the answer is yes, there will be a negative impact on your credit initially. However as you work through the program and we begin to settle accounts, your credit score may start to improve (providing you have not had any subsequent credit problems.

Can I still use my credit cards?

Any card not entered into the program (and that is of your choice), will still be available to you for any emergencies that might arise in every day life.  Of all the available options to you, our program is the most accommodating. However we strongly discourage our clients from running up more credit while in the program.

Will you stop creditors from calling?

No. We are here to help you.  We will coach you on how to handle creditors efficiently and successfully. If collector calls get to the point to where they are overwhelming, we enroll our customers with a consumer advocacy network (a service that is included with the program).  This consumer advocacy network will continually keep you informed of your rights and help mitigate or possibly eliminate harassing creditor phone calls. They will also represent you in potential litigation against collectors if they violate the terms of the Fair Debt Collection Practices Act, a federal law designed to protect consumers against collector abuse.

Can I negotiate my debts with my creditors on my own?

You certainly have the right and ability to negotiate on your own behalf.  However, keep in mind that the settlement process is a difficult and extremely tedious process and you will be going against high-powered lawyers that work on behalf of the creditors. 
We bring that equality on your behalf.