FAQ

Many individuals have problems paying their debts on time. Or maybe, you are already behind on payments or cannot afford to stay current due to a financial or medical hardship. Debt settlement is a method to reduce those debts. Our trained debt negotiation specialists will negotiate with your creditors on your behalf to reduce your debt balances by 40-75%. We can also help you to avoid filing a costly bankruptcy.

What about bankruptcy?

Bankruptcy is an absolute last resort. It will have an extremely negative and lingering affect on your credit report for 7-10 years. It will also carry a horrible stigma and may affect you in other ways such as employment. You do not want to file for bankruptcy if it at all possible. If you are employed, are serious about resolving your debt, and have enough discretionary income to resolve your debt over time, you should contact us for a free initial consultation.

How about a loan?

This may already be part of the problem and an additional loan can only compound matters. Could you even qualify? And if so, you may need to secure the loan with an collateral - a risky venture. If you default on a secured loan, you'll lost the collateral, which could be your home.
Who is your perfect client?

An ideal client:
Has a debt problem he or she cannot resolve.
Is having trouble staying current, is delinquent, or is close to being in litigation.
Has a positive cash flow.
May be considering bankruptcy, but would like to avoid it.
Has a minimum of $10,000 in unsecured debt.
Have some type of hardship (divorce, illness, job loss, etc.).

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