DEBT NEGOTIATION & DEBT SETTLEMENT

Does paying off all your credit card and unsecured debts in 24 to 48 months appeal to you? Believe it or not, getting a new loan is not always the best answer to your financial challenges.

In the event that you discover it is progressively difficult to pay your monthly credit card payments, and you apply for a lower interest rate loan than your original debt but are unable to get approved, then negotiating a debt settlement may be the right answer for you. We can help!

Don't waste time! Financial freedom starts now!

What is Debt Settlement?

Debt Settlement is a procedure in which your creditors agree to help reduce your outstanding balances. This is not a new loan. On your behalf, our nationally-known partners will negotiate the terms of your existing debts with your creditors.

Why Debt Settlement?

Does financial freedom appeal to you? For an unsecured obligation amount of $12,000, a settlement could spare you up to $7,000 in accumulated interest over the life of the original loan as well as discharge the debt in about half the time. Despite the fact that debt settlement is not the same as debt consolidation, it does simplify the task of keeping up with multiple payment amounts and dates, and allows you to make a single payment into a single account that you own. Once an agreement is reached on your behalf, funds deposited into that account will be utilized, with your permission, to pay creditors.

What Debts Can Be Settled?

  • Personal loans
  • Credit card debt
  • Deficiency balances
  • Repossessions
  • Some business debts
  • Medical bills

Why Our Program?

  • We have multiple options to fit your monthly budget
  • There is NO FEE until AFTER a debt has been negotiated
  • Receive a FREE financial assessment
  • Resolve debts in as little as 24 to 48 months

How Do I Get Started?

Call us at 1-800-696-6639, or click here to complete our loan form and request a call from a Debt Consultant who will clarify the program in more detail - and let you know precisely how we can help you lessen your debt!

Loan Option disclosure:


Our personal loan lenders may offer payment terms from twelve to a maximum of eighty-four months. Our lenders offer annual percentage rate (APR) from 4.79% to a maximum annual percentage rate (APR) of 35.99%. Our lenders DO NOT offer short term or payday loans.

We are not the direct lender. We have lenders in most states and match them to our clients needs and likelihood of approval and acceptance. When you use our service we will do our best to connect you with a lender that offers the lowest interest rate loan with the most favorable terms matched on your likelihood of being approved for that loan, based on your location, credit situation, income and other factors.


Here is an example of the cost of a loan for a person with an excellent credit profile:
If you take a $10,000 loan for a five year term at 8% interest rate with a 3% origination fee, you would receive $9,700 ($10,000 less the $300 origination fee) and would make sixty monthly payments of approximately $202.76 which equates to an APR of 8.69%. The total cost of the loan would be $12,165.60.


We are partnered with multiple national lenders and all credit situations are considered. Additional information offered below:

APR, INTEREST RATE, and ORIGINATION FEES

An APR demonstrates to you the cost of obtaining cash on a yearly premise. It can help you rapidly think about various advances or credit cards on a logical premise. The APR on an individual advance can incorporate both the financing cost and start charge. The start charge may likewise be deducted from your advance continues, and there is generally no expense on the off chance that you don't get an advance.
The Annual Percentage Rate (APR) is the rate at which your loan accumulates interest, and is based upon the individual loan specialist's program. All terms and conditions for any credit for which you qualify will be displayed before you present your application. APRs differ from 4.79% to 35.99% for unsecured individual advances.
For instance, If the start expense is deducted and you get a $6,000 36-month credit at a financing cost of 6.99% with a 2% beginning charge of $120.00, you could get an advance measure of $5,880.00 and make 36 regularly scheduled installments of roughly $185.24 at a 8.36% APR. On account of a $20,000 60-month credit at a financing cost of 7.62% with a 3% beginning expense of $600.00, you could get an advance measure of $19,400.00 and make 60 regularly scheduled installments of roughly $401.90 at a 8.91% APR. Your real month to month installment more often than not shifts in view of the APR, advance sum and term chose.

Credit Implications

Our partaking lenders may check your standardized security number, driver's permit number, national ID, or whatever other state or government distinguishing proof, and review your data against national databases to incorporate, however not constrained to, Equifax, Transunion, Experian, Teletrack, or DP Bureau to decide credit value, credit standing or potentially credit limit. Some of our partaking loan specialists won't perform credit checks for the three major noteworthy credit credit reporting bureaus. At the point when outsiders check your credit score rating, it can actually lower your rating. We will bend over backward to just present projects where you have a decent shot of accepting your advance the first occasion when you apply. Credit checks or shopper reports through option suppliers, for example, Teletrack or DP Bureau, commonly won't influence your financial assessment. By presenting your enrollment through this site, you consent to permit partaking loan specialists to confirm your data and check your credit as depicted in their strategies and terms.

Implications of Late Payments

Every lender has its own particular criteria and strategy with regards to late payments. This may incorporate extra charges and interest, and may bring about reports to the three major credit announcing departments creating your financial assessment (credit score) to be brought down. Before you consent to an advance, make certain you have perused and comprehend the ramifications of making late installments. Likewise, each state has standards and directions set up that moneylenders must take after when assessing charges for late installments.

Implications of Non-Payment & Collection Practices

In the event that you don't make the installments on your advance, you might be responsible for extra fees, interest, and gathering costs. This may bring down your credit score. Moneylenders are required by government and state laws to utilize reasonable practices in their collection actions for an advance that has not been repaid. Lenders should comply with the following practice:

  • Not contacting you by phone before 8 am or after 9 pm
  • Not using deception to try to collect money from you
  • Not threatening you with legal action if it is not permitted
  • Not harassing you or using abusive language towards you over the phone

We will only permit moneylenders who are trustworthy and keep up their notorieties effectively; That being said, in the event that you discover any conduct that is not proficient, or you feel is savage, we need and want to know promptly. We esteem your trust in us to help you with your financial needs.
We are your advocate and your involvement with us is foremost to the achievement of our organization.