Debt Settlement

Debt Settlement Programs have the greatest range of applications and are based solely on the financial capability of the debtor providing an alternative to Bankruptcy. Our programs are flexible and can be modified to accommodate special creditor offerings as well as changes in the debtor's income or expenses without forcing the client to cancel from the program.

Those who qualify for debt settlement could be out of debt in as little as 2 to 5 years. These programs provide creditors with an alternative to costly civil litigation, which if successful for the creditor often drives the debtor into Bankruptcy from which the creditor rarely recovers the debt much less the cost of litigation.

For more information about Debt Settlement Programs click here.

Consumer Credit Counseling

Credit Counseling programs were originally set up by charitable (non-profit) organizations to help people who were experiencing financial hardships.

Creditors, after realizing that these organizations were helping some people get back on track financially, adopted a more formal program to contribute to their efforts. Not only do they work for the creditors, they implement creditor models which a lot of times out perform the financial capabilities of the client and causes more than 70% of their clients to drop out. And yes, they do get paid - by you in the form of monthly contributions and by the creditor under the "Fair Share Contribution" program based on how much they get you to send in each month.

For more information about Consumer Credit Counseling click here.

Debt Consolidation

Debt Consolidation may provide a consumer with a home equity loan to help "consolidate" his or her outstanding debts into one monthly payment. While debt consolidation loans often offer consumers a lower overall interest rate, the negative effect is that many consumers often find themselves in a worse situation than before and the only thing they've really done is converted unsecured debt into secured debt jeopardizing their most valuable asset - their home.

For more information about Debt Consolidation click here.

Bankruptcy

Bankruptcy should only be considered as a last resort. Once filed, bankruptcy will remain on your record for 7-10 years and could affect your ability to get credit and/or better rates on some loans.

Newly passed bankruptcy legislation will make it more difficult for debtors to file Chapter 7 and will require those debtors who don't qualify to restructure and repay under Chapter 13 their unsecured debts over five years.

For more information about Bankruptcy and its alternatives click here.

Debt Management

Debt Management programs are very similar to Credit Counseling or Debt Settlement Programs. Typically there are high upfront fees and most creditors do not participate in these programs unless they have special arrangements with your creditors.

Debt Management companies are heavily regulated by state and federal agencies because they actually hold client funds in a trust or escrow account. Be sure to check with your local State Attorney General's office as well as you local Better Business Bureau before committing to any particular Debt Management Program.

For more information about Debt Management Plans click here.

Our Debt Settlement Approach

Debt settlement is a proven method for resolving unsecured debt problems and providing debt relief to people who are struggling to pay their monthly bills. Simply put, we structure programs for insolvent clients as an alternative to bankruptcy and forecast your financial capabilities to your creditors. Other than the benefit of the debt settlement program itself, once enrolled in our program, you have the ability to instruct all of your creditors to call us. Our main objective early on in the process is to redirect much of the creditor correspondence and communication to our offices while simultaneously moving your accounts into the departments that have the authority to settle.

Visit our Debt Settlement Solution to see how we can be of assistance. click here.