- Jonathan Smith
Total Debt
$19,000
Monthly Payment
$398
Program Length
46 months
Total Savings
$9,000
Jonathan saved 47% on her debt
- Carla Brown
Total Debt
$32,000
Monthly Payment
$506
Program Length
14 months
Total Savings
$12,000
Carla saved 37% on her debt
It is our mission to get you out of debt in just some months and possible reduce the amount of debt you pay so it is easier for you to get out of debts!
We offer free consultations anytime you want. You can pay by any method of your choice and get guaranteed results within 45 days
Just select a plan that is most suitable for you, and enjoy our service based on your selection.
Finally, a solution if you are in debt. Stop paying interest on your debts by using our debt settlement program
Check our some of our recent reviews
I had the pleasure of speaking to David who was very helpful. And even though I wasn't able to use the service he gave me great information to help me get my debt In order. I will definitely recommend. Thank you so much!!
sinister george
15-Feb-2023
I highly appreciate the professional service provided by Nora, who helped me to significantly decrease my debt in a short period of time, before Christmas for example. Her attentive attitude and user convenience made me feel secure and feel well taken care of.
Ted Magpayo
05-Feb-2023
They made it easy to stay with their program and they always kept in touch. They worked with me through the rough times and now I am out of debt!!
Christopher Anderson
20-Jan-2023
Some questions you might have in your mind
We don’t charge you any fees until your debts are settled. There are no sign-up or cancellation fees, and there’s absolutely no obligation – you’re in control. You also don’t have to worry about hidden charges. Once your debts are settled, the average client pays a fee of 15%-25% as part of their monthly payment. And if we can’t settle your account with the creditor, we should still get paid—we just want it to be fair, so we won’t charge anything extra.
Debt settlement programs are not appropriate if you already have a Lawful excuse for your default. Debt settlement may have a negative impact on your credit score because it is not a traditional form of debt repayment. We do not provide credit repair services or offer advice on ways to improve your credit.
Debt relief reduces your balance. Your debt is negotiated down, and you pay less than you owe. The creditor forgives the remaining balance in a transaction called a settlement. Debt consolidation combines all of your debt into one loan with a single monthly payment, often at a reduced rate of interest. This typically requires a higher credit score for approval.
Even though a do-it-yourself (DIY) approach might be a good option for home renovation projects and other hobbies, you shouldn’t take any risks with your debt repayment plan. Your financial situation has a long-lasting impact on your lifestyle and peace of mind. , We take care of every detail of debt negotiations – helping you overcome the most significant roadblocks that are standing in the way of your financial independence. We have established relationships with over 10,000 creditors and our average negotiation rate is 50%, meaning we usually save you 50% on your debts (excluding fees). Our negotiators know exactly what to say to help each company look for solutions that support your needs — and how much you can expect to save with each creditor. We won’t stop until we’ve reached the best deal possible.
It depends on how quickly you can build up your funds and save for the settlement offers. The faster you save, the quicker you get out of debt. It typically takes between 24-48 months with our program. By contrast, if you only make the minimum payments on your credit cards, you could be in debt for the next 10-20 years and pay back 2x, 3x, or even 4x as much as you originally borrowed.
There is a slight possibility that a creditor might sue you. But, lawsuits are expensive and creditors try to avoid them. We aim to complete the program as quickly as possible to avoid any lawsuits.
No, you won’t be able to use your credit cards that are enrolled in the program. Plus, creditors will usually close your accounts after you’ve missed a few payments. Your debt expert will help you decide the best plan of action based on your current financial situation.
That depends. Your creditors will issue you a 1099-C form for any debt forgiven over $600. The forgiven debt counts as income. But, if you are insolvent (you have more liabilities than assets) at the time we settle with your creditors, you may not have to pay any taxes on the forgiven debt.
“A taxpayer is insolvent when his or her total liabilities exceed his or her total assets. The forgiven debt may be excluded as income under the ‘insolvency’ exclusion. Normally, a taxpayer is not required to include forgiven debts in income to the extent that the taxpayer is insolvent.” – IRS.gov
Since 2009, we’ve successfully helped hundreds of thousands of people get out of debt. We are one of the country’s largest debt relief companies and pride ourselves on our accreditations which include:
Yes! In following the requirements of federal law, we do not complete a settlement unless you approve it. Moreover, we do not collect a fee associated with our efforts to settle a particular debt until you have approved that settlement and made at least one payment. If we can’t settle your debt or if you’re not satisfied up to the point of us settling your debts — for any reason — you can cancel anytime without any penalties or fees other than any fees earned associated with prior settled debts. That’s right! We get results or you don’t pay.
Our program is a great choice for people with high levels of unsecured debt who are struggling with financial hardship, like a divorce or job loss. If you’re barely keeping up with your minimum payments and the balances on your accounts keep growing, then our program may be right for you. Why fight a losing battle against rising debt, when our debt relief services can help?
We are not attorneys and cannot provide legal advice. But based on publicly available information online, bankruptcy is generally seen as a last resort and can come with harsh consequences. It may impact your credit score for up to 10 years, which means it could take a long time to recover. You can be denied employment, state licenses, insurance – even occupancy of an apartment. Plus, there’s a risk that major assets could be seized, causing you to lose personal property.
Our debt coaching program helps people nationwide resolve $10k or more in unsecured debt. Our debt experts negotiate with creditors on your behalf so that you pay a fraction of what they are owed and can become debt free in as little as 24-48 months.
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