Debt Settlement

How it Works

How The Debt Settlement Works

Debt settlement is an opportunity to put your credit card and other unsecured debt behind you without paying the full amount owed. Our debt experts negotiate with your creditors to get them to agree to settle for less than the full amount you owe, so you can resolve your debt faster than just making minimum payments. There are 4 phases in the program:

Schedule A Consultation

Schedule a 15 minute consultation with one of our certified debt specialists to learn more. No Obligation & No Cost.


Each month, you make a deposit into an FDIC-insured dedicated account that you control. As your account grows, we create a custom plan to get you out of debt.


After enough funds build up in your account, we negotiate with your creditors to settle your debts for significantly less than you owe.


Our expert negotiators work hard to get you the best savings possible. Every time we settle one of your debts, we contact you for authorization and approval.


After the full settlement amount is paid on each account, you no longer owe your creditors. Your credit card debt is behind you!

Debts We Can Help With

We have a long history working with major banks and lenders, which allows us to help our clients resolve most unsecured debts. We have been able to settled debts from:

  • Credit Cards

  • Personal Loans

  • Department Store Cards

  • Medial Debts

  • Private Student Loans

  • Personal Business Loans

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