Debt Settlement provides an alternative to bankruptcy

Many consumers and businesses are struggling with unsecured debts such as credit cards, store cards, personal loans, and medical debts. These debts are so burdensome that the consumer or business can no longer pay the minimum balances without sacrificing some basic necessities. In this situation many feel as though bankruptcy is their only solution. Fortunately there is an alternative.

The truth about debt settlement

First and most importantly Debt settlement is meant only for consumers or businesses who have a legitimate financial hardship. A financial hardship is simply when you have experienced an event such as an injury, loss of job, divorce or medical issue which has made it impossible for you to make your monthly minimum payments without sacrificing your basic needs like, food, rent or transportation.

In these financial hardship situations bankruptcy is most often the course taken. Unfortunately, in bankruptcy unsecured creditors like credit card companies will likely not recover a cent of what is due to them, and you the consumer will ruin your credit worthiness for life. Remember that employers, renters and many services ask if you have EVER filed for bankruptcy, thus although it may not be reported after 10 years, it can have a reach far longer.

The Alternative to Bankruptcy:

Instead of filing for bankruptcy you can work with us, a team of negotiators who work out a reduction of your debt directly with your creditors or can help you settle your own debts with our DIY coaching program depending on which state that you reside in. In short we present to your creditors your financial hardship situation and negotiate with them or have you negotiate with them to reduce your debts so that you can pay at least a portion of your debt to them and neither of you have to go through bankruptcy. By negotiating a debt instead of bankruptcy the creditor receives at least a portion of the debt due to them, and the consumer or business becomes debt free quickly, without filing for bankruptcy or taking out a loan!

Let us answer your questions and determine if you qualify

If you have a financial hardship and have high unsecured debts totaling over $15,000 and can pay at least half of what you were paying, why not find out if you could qualify for a reduction of debt and potentially avoid a bankruptcy.

We offer free, honest and no obligation consultations on your options.

Call us and we will provide a full and detailed consultation on your options to solve your debt issues. We will conduct a full review of your finances, creditors, budget, and offer realistic options for you to evaluate. We will tell you the pros and the cons of all of your options so that you can decide for yourself which debt relief option will work best for you. This is a free service and you have no obligation.

Call Toll Free 1-800-699-9740 or complete the free consultation request and we’ll contact you immediately.