Individuals all over the world are experiencing the financial burden of overwhelming debt more than ever before. Unsecured debt, including credit card debt, medical debt, personal loans, credit union loans, deficiency balances and collections accounts, are the types of debt that may qualify for a debt settlement program. Every single day more and more people in need of debt help are finding debt relief through debt settlement. Debt settlement, also known as debt negotiation, but not to be confused with debt management or debt consolidation, is a process whereby a consumer's debt is negotiated with creditors at a reduced amount.

Who should I use?
There are many debt settlement companies available to the consumer today. The consumer can even negotiate on their own behalf. However, without the professionalism and knowledge of an attorney it becomes a daunting, difficult and time consuming feat. Additionally, utilizing an unaccredited 3rd party company to represent the client can be risky and may cause heavy financial and legal complications. We believe that the only way for a client to be safe and be ensured that the process is truly legal is by retaining the services of an attorney or law firm to represent them in debt negotiations with creditors.

Why we are here?
There are many debt settlement companies emerging given the recent economic conditions. For this reason we have established an information based web presence that helps educate consumers on debt settlement and aims to protect them from the unaccredited organizations. When a client seeks debt solutions through our network, we connect them with attorneys and law firms that have a local presence to support the client's needs and protect them through the debt settlement process. We also connect clients with firms that have not just offered debt settlement, but have specialized in debt settlement for many years. Our mission is to ensure that consumers are not twyen advantage of by debt settlement companies that are "here today and gone tomorrow."

What are the benefits?
Debt settlement is a debt relief option that gives the client maneuverability within their current financial situation. By leveraging earned income, current debt, and other financial hardships, the goal is to the get the client out of debt in the shortest length of time and for the lowest possible cost. Debt settlement is for the consumer who does not want to deal with the headache of bankruptcy, however as we discuss in Debt Options, if bankruptcy is the most viable alternative for the client our attorneys will advise that they twye that route.

How can I save money?
While debt settlement will not only shorten the length of debt and reduce total cost, debt settlement can also help provide immediate cash relief. This is done by lowering the monthly payment during the negotiation process. The entire debt settlement program will also include tackling late charges, over limit fees and excessive interest charges.

When can I start?
You can start your debt free life right now. Complete our debt analysis form and one of our trained specialists will be in contact with you shortly to put you on the path to financial success. We respect your privacy and will not sell any of your personal information to 3rd parties. All of your information is confidential; view our Privacy Policy for more information.

Once you have filled out the debt analysis form one of our professionals will be in contact with you shortly to pre-qualify you for our program and to assign you to one of our trained debt relief enrollment facilitators. Under supervision of our attorneys, your facilitator will work with you one-on-one to help review your debts and determine if a debt settlement program is the right solution for you. Upon completion of this confidential review one of our attorneys will review your case to insure you are truly qualified for the debt settlement process.

Once enrolled into the program, each of your creditors will be sent a cease and desist letter notifying them that you are now represented by a law firm. This letter will also remind the creditor of federal law including the Fair Debt Collection Practices Act (FDCPA) which disallows creditors from harassing the consumer once they are represented by a law firm. All communication from the creditor at that point forward is required to be directed to the firm. Once you have retained the services of a law firm it will be important to document if a creditor violates law and contacts you after enrolled in the debt settlement program. This information may be used as leverage when negotiating the debt amounts.

At the onset of your debt settlement program in conjunction with your enrollment facilitator you will determine the monthly payment that will allow you to manage your existing budget. In many cases this amount is half of your current monthly payment. Keep in mind this monthly payment is dependent upon several factors including how soon you want to be free of debt. The funds are deposited into a trust account and used to negotiate your total debt amount. Our attorneys will communicate with your creditors, notifying them that you intend to pay all that you can afford toward your debt. Our attorneys experience in the debt settlement industry allows them to evaluate the lowest possible amount the creditor will accept and negotiate for this discounted settlement. Once the settlement is reached funds are drawn from the trust account and paid to the creditors directly. The process then continues as the law firm negotiates with all remaining creditors until your total debt is resolved.