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Frequently Asked Questions
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Q. What kind of debts can you help me with?
A. We help with unsecured debt such as credit cards, personal loans, medical / hospital bills, past due utility bills & past repo’s.
Q. Is your debt relief program similar to Bankruptcy?
A. Not at all. A bankruptcy alerts creditors that your past debts were not paid. Our debt relief program alerts creditors letting them know that your intention is to settle them.
Q. Never Heard Of Debt Settlement. Is It New?
A. No, negotiation of settlements on debt has been around for many years. It is a solution for a creditor to cut their losses. A creditor does not want to lose all in a bankruptcy, so will usually negotiate a settlement for people who fit their qualifications. |
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Q. What Is My Best Option For My Financial Success?
A. That depends on your current situation. Your initial consultation with our debt consultant will help you explore your options. We work with a number of affiliates to make sure you as the consumer are shown the options available to you.
Q. What if I don’t have the money to do the settlement??
A. The debt Negotiation program works within your budget. You are in control of when and what gets settled. If you don’t have the money available for a settlement, then no settlement will be done. But keep in mind the purpose of the program is for you to get out of debt and for your debts to get completely handled, not a way to avoid the demands of your debt. What is expected of anyone who signs up is a real and concentrated effort to get your debt handled.
Q. Can I Negotiate Settlements by Myself?
A. Yes you can. But you are lacking the knowledge to handle the problems that can happen by doing this yourself. You don’t know what threats to take seriously. You also have to deal with a massive amount of calls made to you, in effort to collect. We have yet to meet someone, who does not get upset and have their work and concentration interrupted when dealing with collections people. This includes even the pleasant and helpful collections people, as most people feel badly about having broken their agreements in the first place. The idea is for you to put your attention and time into making money and let us deal with the demands and threats of your creditors. In the end, your debt is renegotiated and paid, satisfying both you and the creditor.
Q. Do I Have To Submit All Of My Credit Card Accounts Into Your Program?
A. No, it is not necessary to give us all your credit accounts. We usually suggest that you keep at least one credit card that has the lowest balance and interest rate for emergency purposes.
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Q. What Happens To My Credit?
A. If you are already behind on payments, or you might be shortly, your credit is already impaired you have too much debt compared to your income. This is known as a high debt-to-income ratio. To be considered credit-worthy again, you must drastically reduce or eliminate your debt, thereby reducing your debt-to-income ratio. Our primary thrust is to help our clients get out of debt as quickly as possible and to get firmly back on their financial feet. Credit, while a very important thing to have and maintain, is of secondary importance to getting your debt under control and becoming financially solvent. Most people think if they have stayed current on their payments then they have good credit. In cases where the debt is more than a person can afford, then their credit has been used up and they are no longer really credit worthy in the eyes of most lenders. At the end of our program, your debt-to-income ratio will be greatly improved and you will once again be able to build really good credit.
Q. How can I get started?
A. Please fill out the FREE Debt Evaluation form. One of our representatives will contact you back within 24 hours / One business day. |
