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F.A.Q. - Frequently Asked Questions

Why do you need to see my statements?
To prove the debt & be sure no large balance transfers or cash advances have occurred recently, you may black out any sensitive data like account numbers or whatever you want to black out.  We just need these for our underwriters to get you an accurate savings quote.
When will I know what my exact monthly payment will be?
We can give you this information just as soon you send us all of your statements. This insures that we are giving you a precise quote.
How are you able to save me so much money?

This is because of two very important parts to debt settlement:

  1. First, we typically begin by reducing your monthly payment by 50%.
  2. Second, over the span of the debt settlement program we are usually able to save you more than half of your total original debt.
How does debt settlement really work?
The first step is qualifying for the settlement program. We gather some basic information from you regarding your debt situation and if you qualify, we begin your debt reduction program. Our team will then create a trust account for you in your own name. This is where you will make your monthly payments. Your payment will be affordable because it is based upon your disposable income. Additionally, we will negotiate with your creditors to reduce the total amount you owe, which means that you will no longer have to pay multiple monthly minimums which typically only cover fees and interest anyway. Instead you will make one monthly payment into your settlement account based on what is truly affordable to you. To make it even easier, the payment will be automatically transferred from your existing checking/savings account into your new settlement account.

The goal is to accumulate these funds until they reach around 50% of what you owe to each creditor, our specialist will then contact your creditors as accounts approach this 50% mark and negotiate the lowest possible settlement for you. Each debt will then be settled on an individual basis offering you the potential to save the most.

Our experts are able to get you steep discounts on your debt because of our superb skills in negotiations, our relationship with the creditors and our knowledge of the creditors collection process.

Depending on the amount of your original debt, the time it takes to pay back your debt may vary. However, over the span of the program we will be negotiating settlements one by one and your credit score will increase with each pay off and very soon you will be totally debt free.
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We provide Debt Settlement and Debt Management Programs in the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Gorgia, Illinois, Indiana, Iowa, Lousiana, Maryland, Massechussettes, Michigan, Minnisota, Montana, Mosouri, Nebraska, Nevada, New Mexico, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Dakota, Tennesee, Texas, Utah, Washington.
*Individual results may vary and are based on the ability to save funds and successful completion of the program terms. Debt Settlement program does not assume or pay any consumer debts, and does not provide tax or legal advice. Program not available in all states. Read and understand all contract terms prior to enrollment.
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