Our debt settlement program offers people with encumbering debts a chance to become debt free in as little as 12 to 36 months by only paying a fraction of the amount that they actually owe. Unfortunately not everyone can qualify for this opportunity. Only unsecured debts are eligible for debt Negotiation. The term unsecured debt refers to any loan that does not have collateral attached to it. Thus, mortgages and car loans are not eligible, whereas credit cards, medical bills, student loans and utility bills are.

To enroll in a debt settlement program, you must have accumulated a significant amount of debt and most importantly, you must be unable to pay it back. This means that you owe at least $5000 or more, and that you have defaulted on the payments. If you are considering filing for bankruptcy, you should definitely consider debt settlement first, because it does not have the consequences that filing for bankruptcy has. If you are a candidate for bankruptcy you will certainly qualify for debt help, however it is also important to note that even if you don’t qualify for bankruptcy, you could still be eligible for debt settlement.

If you don’t have any unsecured debt, you cannot participate in a debt reduction program. However if you do have credit card debt, but you are also struggling with your secured debts, such as your mortgage, debt settlement can help. During our debt settlement program, you will only pay one low monthly payment, which is less than the minimum payment on your bills. This frees up your budget a little, giving you security and the extra cushion you need to stay on top of your mortgage or car payments. Although you can completely pay off unsecured debt with debt settlement, it also aids you in managing your money and your secured debts.

Debt settlement describes the process of negotiating with creditors to reach an agreement in which the debtor pays off the loan for much less than what they actually owe. Although it is possible to attempt debt settlement by yourself, the best possible debt management advice anyone can give you is to suggest that you hand over the reins to a professional debt settlement company. When dealing with creditors yourself, you will encounter difficulty in getting a representative on the phone who has the authority to negotiate with you, you will most likely be emotional during the process, and without experience it will be difficult to analyze if the offer that the creditor makes is even a good settlement or not. Instead of going through all that trouble and being taking advantage of, let our debt settlement coaches do the work for you.

Enrolling in our debt settlement program is easy. Just take a minute to Fill out our free, no obligation debt settlement form. A representative will contact you to discuss your financial situation to help you get out of debt.Your personal debt settlement coach will be able to determine if you qualify for debt settlement, and if you don’t, what other options you may have for debt relief.

List of States where we offer debt settlement

• Alaska AK

  Arkansas AR

  Alabama AL

  Arizona AZ

  California CA

  Connecticut CT

  Delaware DE

  District of Columbia DC

  Florida FL

  Idaho ID

  Illinois IL

  Indiana IN

  Iowa IA

  Kansas KS

  Kentucky KY

• Maine ME

  Maryland MD

  Massachusetts MA

  Michigan MI

  Minnesota MN

  Mississippi MS

  Missouri MO

  Montana MT

  Nebraska NE

  New Hampshire NH

  New Jersey NJ

  New Mexico NM

  Nevada NV

  New York NY

  North Dakota ND

• Ohio OH

  Oklahoma OK

  Oregon OR

  Pennsylvania PA

  Rhode Island RI

  South Dakota SD

  Tennessee TN

  Texas TX

  Utah UT

  Vermont VT

  Virginia VA

  Washington WA

  West Virginia WV

  Wisconsin WI

  Wyoming WY