A debt advisor can help you understand all the debt programs and go over your situation to see what makes sense for your financial needs. A debt analyst will only recommend bankruptcy if that is the most feasible option for you. Bankruptcy should never be the first option to your debt relief. For a debtor, bankruptcy means embarrassment and makes it harder to obtain credit in the future. If bankruptcy happens to be the […]

Depending on which program you are enrolled in and what your financial struggles are, our debt analysts will help you decide which credit cards to keep and which ones you should avoid using. However, since the goal is to get out of debt, we always advise our clients to try to avoid using credit cards if possible during the debt program.

Yes, our negotiators are very experienced in negotiating settlement agreements and can typically negotiate to lower the debt by 30-70%.

Debt settlement, also known as debt arbitration, debt negotiation or credit settlement, is an approach to debt reduction.
Debt settlement is negotiating with the creditor to only pay a portion of the owed debt. For example, if you owe $20,000 the negotiation process might get the creditor to accept $10,000 and forgive the remainder of the balance. That results in a 50% reduction of the debt you owe.
Most lenders are willing to negotiate, […]