The Nations Most Effective Consumer Debt Reduction Program.

We negotiate your settlements for you.

If you are concerned about debt, we want to help. Our goal is to help responsible consumers take control of their debt and settle it as quickly as possible. Our debt settlement plan is not a consolidation loan and it's not credit counseling. We negotiate debt settlements with your creditors to reduce your debt to a fraction of what you currently owe.

Becoming debt free is the first step to becoming financially secure, and debt settlement may be your best option. We work only for our clients, not for the benefit of the credit card companies.

Your current level of unsecured debt will be skillfully negotiated for you, and essentially you will end up paying a fraction of the debt. Generally, we reduce your debt by 40-60% of the current total.

Low, affordable monthly payments.

We will set you up with an affordable monthly payment, which is determined on a client-by-client basis between you and a certified debt negotiator. Based upon what you are able to pay each month into your settlement account, we can determine how many months you will be part of the program, and ultimately be debt free.

Throughout the program, we communicate with your creditors, on your behalf. We assist you when dealing with aggressive, confrontational and abusive creditors or collectors.

Avoid Bankruptcy.

Many of our clients seek our services as a bankruptcy alternative. By offering one low monthly payment, our clients are able to pay back what they can afford while potentially avoiding the harsh consequences of a bankruptcy filing.

Bankruptcy stays on your credit for up to 10 years and in legal records for up to 20 years. So even when you apply for a loan or job 15 years down the road, you may be obligated to answer “Yes” to the “Have you ever filed bankruptcy?” on a loan or job application. When you factor in the emotional consequences of filing, it makes even more sense for some consumers to avoid bankruptcy.