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Debt Negotiation

A lot of consumers are looking for Debt Negotiation. Individuals who have large amounts of debt that have become delinquent should definitely try to repay them in full in as short amount of time as possible. Debt Negotiation Programs are a great option, and can be made for a specified number of years with a monthly payment amount that is both comfortable for a consumers financial situation and acceptable for a creditor.

Many consumers find themselves over their heads with compounding debts. Unfortunately, they may not be able to financially handle the large totals, monthly payments, and accruing interest charges. As time goes on, the totals grow, the ability to pay becomes more and more difficult with each passing month, and Debt Negotiation on their own becomes less and less likely.

Our mission is to help consumers out of financial difficulties by providing education, professional financial services, and customized Debt Negotiation Programs.

Most creditors if handled properly will Negotiate a Debt for 30% to 50% of the balance owed. Saving the consumer thousands, sometimes even tens of thousands of dollars helping them become Debt Free in 2 to 4 years instead of the 30 to 50 years it would take otherwise. Keep in mind that if you are current with your debts then the creditors will only expect payment in full. Only when an account is past due will the creditor Negotiate for less than the full amount owed.

Free Budgeting Advice

If your spending is out of control or your life was around charging credit cards, you'll need to set up a budget. Your credit counselor can help with that as well.

Fill out the form above or call Toll Free 1-877-353-9792 for a free consultation today!

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Frequently asked Debt Negotiation Questions

Is Debt Negotiation Legal?

Debt Negotiation is the legal procces where your debts are Negotiated for your for less than you owe and is practiced legally. Without the option of Debt Negotiation many consumers would have no choice but to file bankruptcy. Keep in mind that even though we are substantially reducing what you owe your creditors, they will still be recovering a portion of the original debt. In bankruptcy these creditors would receive nothing, so Debt Negotiation is a win-win situation for both you and your creditors.

How does Debt Negotiation reduce my debts?

We will Negotiate with the creditors on your behalf. Our goal is to reach Negotiations with your creditors on any unsecured debts, which you have contracted us to Negotiate. This is accomplished through a series of negotiations with your creditors to secure settlements which substantially reduce the amount owed. We are usually able to reduce the total amount owed to pennies on the dollar, including all fees and payments.

How does Debt Negotiation compare to bankruptcy?

Bankruptcy was designed to be a consumer's last resort and has a devastating effect on your credit rating that lasts for ten years. Debt Negotiation is an effective alternative to bankruptcy that provides you with financial freedom without the long-term effects and social stigma associated with a bankruptcy filing.

What happens when we have a Negotiation?

Once a Negotiation with one of your creditors has been completed, we will notify you via your email and via phone to let you know that one of your debts has been successfully Negotiated.

Will I continue to get calls and correspondence from my creditors?

Once you are accepted into our Debt Negotiation program you will direct all correspondence to our Debt Negotiation team. Keep in mind that there is no law that prevents creditors from sending written correspondence to you. Do not be afraid to read these letters. In fact, it is important that you read each letter carefully as you are certain to get Negotiation offers from your creditors as a result of your admittance to our Debt Negotiation program. These Negotiation letters and any other letter of concern should be forwarded to our Customer Service Department.

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March 9, 2010

Watch the above video to see the predatory tactics of the Big Credit Card Companies. Are you a victim?

Congress recently passed legislation to stop the Credit Card Companies' predatory practices. Watch the above video to see how they are using the loopholes in the new law to take more of your money!

The Credit Card Companies got their bailout. Let us help you get yours!

Most Recent Debt Negotiation Results

Original Creditor: BANK OF AMERICA
Account No: xxxx-xxxx-xxxx-x386
Account Balance: $8,967.47
Settlement Amount: $3,000.00
Amount Saved: $5,967.47

Original Creditor: BANK OF AMERICA
Account No: xxxx-xxxx-xxxx-x763
Account Balance: $19,001.03
Settlement Amount: $8,400.00
Amount Saved: $10,601.03

Original Creditor: HSBC BANK USA
Account No: xxxx-xxxx-xxxx-x001
Account Balance: $575.04
Settlement Amount: $230.02
Amount Saved: $345.02

Original Creditor: BANK OF AMERICA
Account No: xxxx-xxxx-xxxx-x952
Account Balance: $23,459.92
Settlement Amount: $3,816.00
Amount Saved: $19,643.92

Original Creditor: GE MONEY BANK
Account No: xxxx-xxxx-xxxx-x683
Account Balance: $13,984.00
Settlement Amount: $3,500.00
Amount Saved: $10,484.00

Original Creditor: BANK OF AMERICA
Account No: xxxx-xxxx-xxxx-x822
Account Balance: $16,7821.61
Settlement Amount: $2,718.00
Amount Saved: $14,064.31

Original Creditor: BANK OF AMERICA
Account No: xxxx-xxxx-xxxx-x835
Account Balance: $12,121.31
Settlement Amount: $4,849.00
Amount Saved: $7,272.31

Original Creditor: AMERICAN EXPRESS
Account No: xxxx-xxxxx-xx005
Account Balance: $21,390.05
Settlement Amount: $14,750.00
Amount Saved: $6,640.05

Original Creditor: CITIBANK
Account No: xxxxxxxxxxxx001
Account Balance: $13,336.19
Settlement Amount: $2,667.24
Amount Saved: $10,668.95

Original Creditor: ADVANTA BANK
Account No: xxxx-xxxx-xxxx-x944
Account Balance: $18,947.78
Settlement Amount: $5,700.00
Amount Saved: $13,247.78

Original Creditor: CAPITAL ONE
Account No: xxxxxxxxxxxxxx788
Account Balance: $7,537.14
Settlement Amount: $3,700.00
Amount Saved: $3,837.14

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Yahoo! News Search Results for Debt

03/09/2010 08:44 PM
NY state debt in red zone, should cut $20 billion: study (Reuters via Yahoo! News)
The $120 billion that New York state owes in debt, health and pension benefits for public workers puts it in the danger zone, and getting down to the safety zone requires a $20 billion cut, a study said Tuesday.

03/09/2010 08:54 PM
Lower credit card debt traced mainly to charge-offs (USA Today)
Consumers fell further behind on bills in 2009, causing a surge in debt charge-offs, says Odysseas Papadimitriou, CEO of CardHub.com.

03/09/2010 01:29 PM
Leibovitz can keep portfolio under new debt deal (Washington Post)
NEW YORK -- Annie Leibovitz, the photographer who mismanaged her fortune so badly that she faced losing legal rights to some of pop culture's most enduring images, has reached a long-term agreement with a private investment firm to help manage her debt and market her vast portfolio, both sides said Tuesday.

03/09/2010 02:00 PM
Hasbro to sell $500 million notes to lower debt (AP via Yahoo! News)
Toy maker Hasbro Inc. is selling $500 million worth of notes to help pay down its debt.

03/09/2010 11:45 AM
Annie Leibovitz enters new deal to manage debt (USA Today)
Annie Leibovitz has entered into an agreement with a private investment firm to help manage her debt and market her portfolio of celebrity images.

03/09/2010 08:45 PM
Write-offs are driving decline in credit-card debt (Market Watch)
Credit-card debt has been falling for 16 straight months but consumers aren’t paying off their financial obligations as much you might think. Instead, they’re walking away from the debt, forcing credit-card issuers to write off as much as 90% of that reported drop, according to a new report by CardHub.com.

03/09/2010 09:01 AM
Europe Said to Close Debt Sales to Wall St. (New York Times)
EU nations are shutting major Wall St. banks out of their debt sales, The Guardian reports. No large U.S. bank ranks among the top nine leading the sales of sovereign bonds, according to data from Dealogic.

03/09/2010 06:23 AM
Dubai World outlines debt plan to leading creditors (AFP via Yahoo! News)
The debt-ridden Dubai World conglomerate is outlining proposals to restructure 22 billion dollars of its debt to leading creditors, The National daily reported Tuesday.

03/09/2010 07:04 PM
Euro May Decline Amid Signs Greece’s Debt Crisis Will Linger (Bloomberg)
March 10 (Bloomberg) -- The euro may fall against the yen for a second day amid signs Greece’s debt crisis will linger, damping demand for the 16-nation currency.

03/09/2010 05:26 PM
The Greek debt crisis: How the international community can help (The Christian Science Monitor)
To help end the Greek debt crisis Europe and America must jointly step in to shore up global financial regulation.