Getting Started

Review Your Options

Your debt elimination options are quite simple:

Do nothing: You can pay the debt off over time at whatever rate of interest your creditor decides your should pay. If you read the fine print they can change the interest rates whenever they please. In other words, $10,000 of debt will take 20 years at 10% interest, 61 years at 20% interest paying minimum payments, etc.
Consumer Credit Counseling: An activity started and funded by credit companies. Their premise is to lower the interest rates for up to 9 months. You pay one amount for all your credit cards to the CCC Company and they distribute a monthly payment to your creditors on your behalf. Your credit rating is adversely affected for up to 3 years because they are a 3rd party acting on your behalf. The CCCS reports it to the credit reporting agencies, making it nearly impossible to get a loan for a car or other major purchase. CCCS companies work for the creditors, not you.
Chapter 7 Bankruptcy: This is total bankruptcy. You may get to keep your car, but if your home has equity, it goes too. Chapter 7 stays on your credit report for 10 years, during which time you'll pay the highest possible interest on all your purchases. It never goes away.
Chapter 13 Bankruptcy: This is more like a payment plan. It stays on your credit report for 7 years. It is generally a 5 year program and approximately 80% of people who file Chapter 13 Bankruptcy fall out of it before it is discharged or completed. The debts originally included in the bankruptcy are therefore still fully owed, the derogatory remark is on your credit report to stay, and again you pay more for everything you purchase on credit for the next 7 years.
Debt Settlement: Settle your debt with your creditor for 40% to 60% of what you owe, in 12 to 48 months. Your credit rating drops while you are on the program but rebounds as you eliminate debt. By the end of the program you are debt free and can rebuild credit in as little as a few months.

Plan Ahead: Debt Settlement - A Brighter Future

When you have successfully completed our debt settlement program and reached your goal of freedom from unsecured debt, what comes next?

Having avoided bankruptcy, the next step is to rebuild good credit while avoiding the pitfalls of easy credit offers that are soon followed by high interest rates. There are many tricks to maintaining control of a budget which are available to our graduates.

For many, this is simply impossible to imagine having wealth. Yet there are people who successfully get along very well and live a debt free life at all income levels. Realizing that each purchases cost 15 to 30% more when paid for by a credit card that caries a balance.

Financial Management and Spending

The key is to wealth is in the application of basic financial management concepts and expert handling of your every day finances.

Planning is key. Live within your means, make sure your means are adequate to support your lifestyle. Then learn how to save, how to shop wisely, how to budget for needed expenses rather than buying on credit.

Beware of any temptation to pay over time, it is a luxury few can afford, the wealthy never do it. If you plan ahead however, you will pay much less for that desired item, because you'll be saving all those interest payments that accumulate over time. Besides, you might even appreciate that item more knowing it's really all yours.

When you complete our debt settlement program, further programs are available that can assist you to learn and apply sound financial planning principles.

So, you first become debt free, and then learn the skills of how to stay that way!

Our correctly administered debt settlement programs eliminate large accumulations of unsecured debts in just 24 to 36 months.

Debt Settlement - The Better Solution

Now that you know more about Debt Settlement you can see the benefits, the potential savings of thousands of dollars, and significant time advantages to becoming debt free compared to debt consolidation and other forms of debt assistance.

You can also call 888-384-3815 for a free, no-obligation consultation with one of our friendly, experienced credit advisors.

If you qualify for one of our debt settlement programs, you could be on your way to becoming debt free today!

We are available from 7am to 10PM PST to answer any questions you may have about all the amazing benefits of our debt settlement programs.

Debt Settlement - Start getting out of debt now! [ click here ]