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HOW IT WORKS
Our debt reduction and settlement program is actually easy and very effective.
Here is a step-by-step overview:
Step 1: Call us or submit the form on the right for a free consultation with no obligation. We will evaluate your financial situation and determine your potential for debt reduction.
Step 2: We will work with you to determine the appropriate monthly payment amount that you can afford to save towards a negotiated settlement. This monthly payment amount is typically significantly less than your current minimum payments, and goes toward paying off your debt. Once you enroll the program and start the monthly payments, these funds will be saved every month in your new savings account that you set up and control.
Step 3: After you enroll in our easy debt reduction program, we contact your creditors and their collector agencies to handle future communications for you and stop the collector phone calls. You are requested to avoid using credit while on the program.
Step 4: When the funds you save have accrued to make reasonable offers, we begin negotiating with your creditors individually. Typically, we attempt to reduce debts by at least 50%* of your current balances. We stay in contact with you to keep you apprised of your situation.
Step 5: Once a settlement is negotiated with a creditor, your account expert will notify you. Your continued monthly savings will pay off your settlement typically within 36 months*. Your creditors will report to the credit rating bureaus that your accounts are now "settled" or "paid". And congratulations, you now have better finance freedom!
* Individual results will vary based on circumstances, including your ability to save sufficient funds and complete the program. We do not guarantee any results. |
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