Through debt settlement, you can pay off your debt while actually saving money. This also includes unsecured credit card debt. You can negotiate with creditors to settle your debt for 60% to 75% of the original amount. You may also agree to make a lump sum amount, which could be 50% to 70 % of the original payment. A majority of debt settlement agreements involves making this lump payment all at once. The creditors will agree to consider your debt to be completely paid off on your credit report. In addition, there are plans that can stretch for three years or more. Instead of paying off your balances over a long period, you could become debt free in 24 to 36 months.

Debt settlement is a cost-effective, easiest option to pay off your debts and relieve you of having to deal with creditors, collectors and attorneys. We understand the stress and struggle of living with an overwhelming amount of debt, and our goal is to reduce your debt so that you can begin living the lifestyle you've been dreaming about…being debt free! If you're simply paying minimum monthly payments, then surely it feels like whirlwind of financial disaster. Our program, through negotiation, will cut your debt down to about half of the total amount. So, you end up paying only a fraction of the debt! Our program is custom-built for each clients current personal and financial situation and level of debt in order to make the process as quick and affordable for you. When using a debt settlement program to reduce the amount of debt you owe, you will pay the bills that qualify for the program to the settlement company, not your creditors (as you’d usually do).