Information regarding debt settlement

•With debt settlement your accounts are paid off from your lowest balance to your highest to show settlements quicker. This also shows that you are making an effort to clean up your accounts.

•This process typically takes between 12-36 months depending on your debt and what you are able to comfortably pay each month.

•When you are done with the program you are done.  This means that all of your accounts are noted as settled in full at the end of the program and you start over from scratch.

•Also, upon enrollment into the debt settlement program you will receive free access to the consumer justice center.  This enrollment is free and accessible to you for the duration of the time that you are in the program.  This part has been extremely helpful to our customers because it provides you with direct access to the consumer advocacy group which empowers clients with knowledge on how to handle creditor calls, letters, etc.  This group of people will work diligently with your specific circumstances & assist you in preventing creditors from using deceptive practices or those that are in violation of the fair debt collection practices act (FDCPA).  This is a federal law designed to protect consumers from collector abuse & most creditors do not expect you to be armed with this type of information.  Having this knowledge will definitely keep creditors at bay.

•Our average settlement rate is $0.42 on the dollar and we feel extremely confident that we can settle your debt for that.

•We have been a negotiating firm since June of 2004 (5 years)

•Currently we have 17,014 active clients