Fill out the debt questionnaire on the right and one of our Certified Debt Negotiators will contact you to explain your options, answer your questions, and walk you through the process of debt consolidation thru negotiation.

We can help you get relief from credit card debt much faster than you may believe possible with debt settlement and debt negotiation tactics, providing both debt relief and debt consolidation alternatives, while avoiding bankruptcy, and helping you to minimize creditor phone calls and harassment.

You can complete the journey to becoming debt-free in as few as 12-36 months by employing debt negotiation and debt settlement techniques.

We are confident that a careful analysis of your available options will reveal that Debt Settlement is the most effective, and certainly most pragmatic solution for debt relief; additionally, this program is inherently a form debt consolidation. Surprisingly, most debt consolidation companies work for and/or were created by, the credit card industry in an attempt to collect debts before attorneys get involved- a lucrative strategy, but realize that these organizations have no incentive to provide a service or advice in your best interest. A prudent financial planner would never recommend a mortgage refinance (one form of debt consolidation) to get out of credit card debt. It is substituting secured debt for unsecured debt and you now risk losing your home if you get injured or can't afford your new higher mortgage payments.

Here is a sobering statistic -
77% of all people who refinance their way out of credit card debt are right back at the same level of credit card debt 2.5 years later with less equity in their home. Although the initial debt was paid, a new, and even more serious, problem has developed.

Why?

Because there was no behavior modification necessary. It is very easy to refinance out of debt with a higher interest rate and/or leveraged property. Unfortunately, this method requires no change be made in the spending patterns of the individual with the debt, and these problems propagate, proliferate, and inevitably worsen.

A debt settlement program requires a person to go without using credit cards for 2 to 3 years, which brings about a behavioral modification, simultaneously reducing the debt-to-income ratio and enabling a period for credit restoration.

Debt settlement is one of the methods used by mortgage consolidation companies to get people qualified into a home after being denied financing due to a high debt-to-income ratio.