Jeff Wilson (name changed to protect privacy) was always a hard worker, whether working for his telecommunications company during his 30 year career, or serving his country as a medic in the Korean War. Throughout his life, he witnessed many economic, political, and social events that changed the world around him. Throughout all of this, Jeff managed to move forward and climb his way up the corporate ladder, where he started working on basic parts as a young man after the war. Through hard work, loyalty, and developing a reputation for getting the job done, Jeff eventually became one of the highest paid technicians at his company, taking home well over $100,000 a year. He raised a family and saw two kids off to college and into blossoming careers of their own.

Jeff is by all accounts a successful, hard working American. He had good investments, paid off his credit cards on time, and made regular monthly payments on his mortgage.He began investing his significant savings into different assets, including rare coins and memorabilia. Jeff developed a close relationship with a few antique coin dealers; they seemed to have great advice and they were friendly, positive guys. Before he knew it, he had invested nearly all of his savings into rare coins. He knew that it was a good investment though; the coin dealers had promised large returns and they seemed to know what they were talking about.

By the middle of 2007, Jeff noticed some of his assets beginning to depreciate a little. It wasn’t much cause for concern, but it did cause him to second guess his investment, and the advise from the “experts” he trusted. Then, the bottom fell out of the economy, and like so many Americans, Jeff watched the value of his assets and his home plummet. Luckily, he was caught up on mortgage payments and only had 5 more years of payments until the house was fully paid off. However, the loss of assets came as a shock, and he was down to nearly a third of what he originally invested. Even worse, he had bought nearly $100,000 of the coins on credit that he had been making payments on. One of the coin dealers convinced him that it was okay, and he had broken his habit of paying off credit cards every month. While this was a rising tide of bad economic news, Jeff was still employed, and still in his house.

Then, during a routine doctor visit, he received the news that no one wants to hear. Cancer. Fortunately, it was detected early enough, and through several rounds of chemotherapy and months of prescriptions, the doctors told him that it was in full remission. Jeff had beaten one of the most feared medical problems known to man. In the meantime, the credit card bills had piled up, the medical bills came pouring in, and it seemed that there was a new penalty fee or raised interest rate every day. Jeff was now renting, as he had to sell the house he lived in for 28 years to pay medical bills. He didn’t dare cash in any of his coins, and hoped they would once again be able to build value. But every day he checked, the rates stayed low and it began to look more and more like he was going to have to adjust the new reality of working his way out of debt.  He was making all of his payments on time, but it seemed like it would take a long time to get over his debt.

He had been receiving calls from someone who claime to work for a company that could reduce his debt amounts. The only problem was, he wasn’t a certified professional and had been pestering Jeff to pay hundreds upfront and enroll his debt in the new program, which he said would be much faster.

Without really giving it much thought, he enrolled his debt in the new debt service from Five Mountain Financial and began paying them upfront fees before anything was done with his debt. Busy working overtime at TeleSun; he was still bothered by thoughts of his debt during the day at work. This seemed like a very hands – off approach, and he had not been able to get in touch with anyone at the debt company. He made his regular payments for several months; but one day, while he was eating dinner after work, Jeff got a phone call from Discover Bank.

They were extremely demanding and Jeff began to get a little worried. They said they had not heard from his new debt agency at all and that he was going to be sued in court over the debt! Jeff took down the collector’s information and then tried again to call Five Mountain Financial. He heard the familiar voicemail as he felt his temper start to flare. How could they take these payments each month and then not even pick up his calls? Even worse, Discover Bank was talking about lawsuits!

Still upset, Jeff walked into his computer room and sat down. The old way of dealing with things wasn’t working. He decided to be proactive, and found a company with a good BBB rating which was made up of Certified Debt Specialists.

The C.D.S. that Jeff talked to was very understanding and immediately helped Jeff understand that companies are no longer allowed to charge upfront fees. The C.D.S. also helped Jeff compose some letters based on consumer protections in the Fair Debt Collection Practices Act which stopped a good amount of the phone calls that had been pouring in from collection agencies. Jeff decided to cancel with Five Mountain Financial, and stopped paying them hundreds of dollars per month.

The specialist who was assigned to him immediately started tackling the biggest problem, Discover Bank. Within a day, the certified specialist helped Jeff reach an agreement that he could pay with Discover. He also referred Jeff to an attorney in his state who dealt with credit card lawsuits, if he ever happened to get one. Jeff learned that was an occasional occurrence when debt is negotiated, so it was good to be prepared for the other accounts.

Then, the specialist got to work Over the next several months,  Jeff received a negotiated agreement to pay 30% of the amount owed on one card, 45% on another, and 42% on another card. He started to believe for the first time since this all started, that he would be able to avoid the lengthy bankruptcy process after all. He only made payments when each agreement was negotiated and paid; and he liked that the amount he paid was based on the amount that was saved. So that’s what Performance Based Debt Negotiation means, he thought. Things were going so well that Jeff decided to make a big decision to speed up the negotiation process: he cashed in on a portion of his antique coins and memorabilia and put it in his settlement fund. The settlements progressed rapidly, and by the end of the year, 9 months after he started working with a Certified Debt Specialist, he was completely out of debt. $176,000 was the total amount of debt he had started with, an amount that seemed to leave no option but bankruptcy or lawsuits. By making personal financial sacrifices and coordinating often with his C.D.S., Jeff was able to stick to the program and save a large percentage of what he owed, enabling him to overcome financial hardships he had been struggling with for several years.

Jeff’s story illustrates just how complex our relationship with money can be, and the many factors that can overlap in contributing to debt. With a careful strategy and the help of certified professionals, it is possible to deal with large amounts of debt or relatively small amounts. The impact of debt can vary from person to person, including the emotional impact and the way it affects one’s personal budget and use of income. This story is based on a real life client of one of the Certified Debt Specialists at Horizon Debt Group.

Given the fact that the economy is slowly recovering in a way that many people have yet to really benefit from, household financial problems stemming from the Recession are still causing problems for many Americans. An Associated Press poll taken in early December 2011 showed a full 68% of the people responding saying that 2011 was a bad year.

Undoubtedly, the tight lending environment and continually high amount of foreclosures and bankruptcies are making it difficult for Americans to get back on their feet financially. Add in the pressure of unpaid taxes and increasing penalties, and it can quickly seem like a very difficult situation with a very intimidating creditor.

Unpaid taxes to the IRS can quickly rise to the top of the list of household financial problems because of the many intrusive collection efforts used by the government.

Benjamin Franklin famously said, “Nothing in this world is certain but death and taxes”. That may be true, but just because taxes are inevitable doesn’t mean that consumers are powerless against delinquent taxes, penalties, and liens. However, the serious potential consequences of unpaid taxes require a careful look at the options available and the desire to take action on the part of the individual, family, or business.

Unlike a traditional creditor, the IRS wields much more potential power over the lives of those who fall behind. From property seizure to bank levies to wage garnishment, the IRS has a wide range of procedures to collect on unpaid taxes.

Difficult though it may be; recognizing that there is a problem, facing the situation and taking preventative action is by far the best option, rather than letting taxes go unpaid while penalties pile up and the risk of a tax lien increases. Tax liens have wide ranging negative effects that can affect all aspects of an individuals’ personal and business life.

Federal tax liens can stay on personal credit reports indefinitely. This can pose a major problem by not just affecting an individual’s ability to obtain credit; but also their ability to buy a house or car. It is also becoming common for credit checks to be performed by potential employers as well as for apartment rentals.

On the news we often see stories about multimillion dollar tax settlements between big corporations and the IRS; or see a high powered business professional go down for unpaid taxes. The negative consequences make for good TV ratings, but the reality is that many people have faced this threat before and have emerged successfully.

High income earners and even celebrities are no exception and can have issues with taxes. Linsday Lohan was recently subject to a $93,000 tax lien that was a result of unpaid taxes from 2009, an oversight during a busy year according to her. Although tax issues can be common with celebrities, higher wage earners in general can have greater liability and exposure from excessive tax liens and audits. This exemplifies the need for preventative action to stop small tax issues from becoming big issues, no matter what economic class the individual is in.

Unpaid taxes and the resulting problems have many causes; whether a business is overwhelmed, there is a medical issue that diverts income, there is loss of employment leading to financial hardship; as well as occasional oversight and mistakes. Whatever the cause, this is not something that will go away on it’s own.

Fortunately, there are options available to those who qualify, and the IRS will negotiate and often settle or reduce penalties with consumers if everything is done correctly. By choosing a professionally experienced organization, it is possible to obtain real relief and victory over tax problems within as little as 3-6 months.

Although tax pressure is common for many Americans, with willpower, experienced guidance, and resolve; it is possible to not only tackle tax debt head on, but to emerge victorious.

Sources :

Internal Revenue Service Manual Part 5
http://www.irs.gov/irm/part5/irm_05-017-002.html

“Linday Lohan Tax Problem Common Among Celebrities”  Huffington Post  1/13/12
http://www.huffingtonpost.com/2012/01/13/lindsay-lohan-tax-taxes_n_1203413.html

Associated Press Poll  12/29/11
http://ap-gfkpoll.com/featured/ap-gfk-poll-americans-look-back-at-2011-with-a-shudder-greet-2012-with-open-arms

Superior Tax Resolution Services are now being provided to satisfied clients who have worked with Horizon Debt Group, LLC. We have formed a lasting relationship with our clients. These relationships play a vital role in our mission to ensure that each and every client that is dealing with financial burdens receives professional advice through in depth analysis to ensure proper discovery of their issue. The continued support from our preferred partners Pinnacle Tax Advisors has allowed us to streamline tax relief services. Horizon Debt Group, LLC has been providing clients with a free tax hardship analysis when other companies may charge a fee for this service.

We understand that there are no easy solutions therefore we evaluate your situation properly to set the foundation for a solid resolution process. People see TV ads which give the impression that they can dicker with IRS when the reality is that they can take everything they have. With so many tax scams out there from large corporations spending millions to advertise making promises to wipe out your tax debt but not before paying huge fees up front to then find out that the IRS has rejected the offer. These corporations main objective is to setup huge call centers to enroll as many people as possible, as opposed to giving each and every client their personalized individual attention focusing on their budget.  Our team of professional staff has been working closely with our clients to reintroduce more money back into their budgets, guiding them through costly financial hurdles while working with them hand in hand. Our professional tax team of partners providing resolution services are highly rated with the Better Business Bureau in addition to the A rating our tax resolution services have trusted links from clients who have posted reviews with the BBB.

Every year, millions of taxpayers cannot make their filings on time for the deadline on April 18^th. This causes their back taxes to spiral out of control costing more and more money in fines and penalties on top of the taxes they already owe. Many will also file extensions but even with an extension they are not excused from the penalties that are owed for being late on their filing. Based on the amount of tax that is due, persistently neglecting the IRS is not like blowing off a creditor because continuing to neglect filing taxes each year can be viewed as a criminal act by the IRS, which is punishable by one year in jail and $10,000 fine for each year that is unfiled. The IRS views delinquent back tax issues as a very serious matter so by prolonging the issue only makes the matter worse and more costly.

Although even during these tough financial times, those who have been neglecting their financial responsibilities in this case filing and paying their taxes can find relief with their situation. This upcoming New Year brings the opportunity to put this all behind you and turn over a new leaf. There are solutions to your back tax problems but now is the time to act to resolve them today.  Contact Horizon Debt Group, LLC for a free in depth tax hardship analysis.

Times are tough, and many Americans are facing unparalleled problems with debt. If you are living a life filled with collection phone calls, threatening letters in the mailbox and sleepless nights, you need to know about Horizon Debt Group. Whether you are delinquent or struggling to make minimum payments, you may be able to get rid of your mounting debt and begin to see light at the end of the tunnel.

Horizon Debt Group is a debt settlement company, whose dedicated team of professionals has but one goal, and that’s to help you turn your life around. It doesn’t matter how much unsecured debt you have, we are there to help remove the worry, the stress and get you on the path to financial recovery.

Why is debt settlement a better choice for you?

Using a debt settlement service is a choice, and a choice that can change your life.

When you use Horizon Debt Group for debt settlement services, here is what you can expect:

• We have debt settlement professionals who will work with your creditors to get your balances as low as possible.
• Rather than continuing to pay huge and numerous bills each month, you will start making one low monthly payment. We will get it to an amount you can cope with, and each payment will be put into an FDIC insured trust account, where it will work to satisfy your debts.
• Within 12 to 36 months of starting a debt settlement plan, you can expect to settle your debts, and through a payment plan you can live with.

Why Consider Debt Settlement Over Bankruptcy?

Many people think that bankruptcy is their only option when debts seem insurmountable, but that is a very old notion. Bankruptcy can and will affect your credit for years to come, and can result in loss of property as well as still being forced to pay off the debts. Bankruptcy is one way to lose your credit and still be in debt.

Here’s how it works:

• Bankruptcy can destroy your credit by leaving your ratings low for as long as 7 to 10 years.
• Chapter 7 bankruptcy can require the sale of any property not protected by law.
• Chapter 13 bankruptcy will offer a payment plan and will leave a bankruptcy mark on your credit report.
• Your credit report will reflect the bankruptcy option you chose, and your chances of getting credit will be low if not impossible. Interest rates will be high.

Yes, bankruptcy is an option, but is it one you want to take?

How Can Debt Settlement Help You?

By knowing more about debt settlement and how it works, you may see that it is the right path to take for eliminating your debt problems.

• As you make monthly payments through an FDIC insured trust account, and save funds for settlements, once settlements are made, your credit report will reflect that you have $0 balances and account is “ Settled”, unlike Bankruptcy that will stay on the report for 10 years.
• You will be able to make one monthly payment into the program a payment that you can afford.
• Our company does not charge any upfront fees, your payments will go into a trust account designated for settlements, only after agreements with creditors are reached the fees will be collected.
• Be debt free and stress free, contact us today to see if you qualify.

Debt Settlement and Other Alternatives

At Horizon Debt Group, we believe that debt settlement is a good option for many people. We can provide the knowledge and experience to help you make the right decision for your circumstances. That’s why we provide information and guidance on two other main credit relief alternatives to debt settlement:

If this is you, you’re not alone. Many Americans are finding themselves in this predicament caused by a job loss, a pay cut, underemployment, and loss of income, divorce or death of a spouse or other unforeseen circumstances. If you have looked into a Debt Consolidation Program, utilizing credit counselors to negotiate lower interest rates and combine your accounts into one payment and find you can’t afford that one payment, what are your other alternatives? Many wonder if bankruptcy is the only option at this point.

There is another way out. It’s called Debt Settlement and it can help you eliminate your debt by actually reducing the principle, or the amount you owe your creditor. Creditors would rather have a portion of what you owe than nothing at all. It’s important to understand the difference between Debt Settlement and Debt Consolidation. Here’s how it works:

Instead of making monthly payments that go toward paying your debt off, your monthly payment goes into a special savings account sometimes known as a special purpose account or trust account and is set up at a federally insured financial institution or bank. You should get monthly statements just as you would from any bank. A professional credit counselor can set up this program. Your counselor notifies your creditors of your enrollment into a Settlement program. The creditors know that at some point, they will hear from the counseling service to settle the debt for less than the original debt, most of the time, a fraction of the original balance.

How does this happen? This is where your special savings account comes in. As you accumulate funds, the credit counseling service monitors the account and as soon as you have about half of the balance you owe the creditor, they will contact the creditor and begin negotiations to settle the debt for a portion of the original balance.

If you have more than one creditor, the first settlement is made on the account with the lowest balance. Then as you continue to accumulate funds in the account, your counselor will negotiate and settle the next highest balance, then the next highest and so on until all the balances are settled and your accounts show a zero balance. At this point you will be debt-free as far is your unsecured debt is concerned which would be credit cards, medical bills, car repossessions – in other words, the debt is not “secured” with property like a house or a car.

Your credit score will be affected while you are going through the settlement process because your accounts will go into default until they are settled. Once you’ve settled all your debts, you can begin to rebuild your credit score. This is a much better alternative than bankruptcy for many reasons.

Changes in the bankruptcy laws make qualifying for Chapter 7 (which eliminates all unsecured debt) much more difficult. In order to file Chapter 7, you must meet a “means test”. In other words, if your income is over a certain threshold, usually a very low threshold, than you are required to repay at least a portion of your debt through Chapter 13. This is overseen by the court system. If you have assets like boats or other “luxury” items that can be liquidated, the courts will require you to sell them. The home you live in and the vehicle required to transport you to work are not included.

As you can see, a Debt Settlement program is much less complicated and is easier to recover from, as it does not stay on your credit report for 10 years like a bankruptcy. Just make sure you are working with a professional debt management firm.

Horizon Debt Group, LLC is a credit and Debt Consolidation firm that has helped many consumers overcome their unique financial challenges. We invite you to take advantage of the many resources Debt Consolidation Services has to offer starting with a free consultation with a Certified Credit Counselor.

We have partnered with a true national law firm. Our partners have law offices in all fifty states. Our professionals are dedicated to helping our clients resolve their debt problems. We provide Debt Consolidation Services nationwide and we have a professional alliance with many of the nation’s most reputable Debt Consolidation Companies to assist our clients as advocates for their rights.

For years large corporate law firms have helped business clients solve their debt issues by negotiating “financial workouts” with their creditors allowing them to stay in business and work through difficult financial times. Horizon Debt Group, LLC and our preferred partners have created a cutting edge Debt Consolidation Program to provide our clients with these same types of services allowing you and your family to focus on more important issues in your life. Like a security blanket, our partners provide all the law-related services you need to resolve your debt.

Fill In The Form On The Right And Find Out How Much You Can Save Instantly!
Or Call 888-894-0777 For Your Free No Obligation Consultation.

Debt Stinks!
Debt Consolidation May Be The Way To Rid You of the Smell!

Most people who seek credit counseling services do so when they hit a sinkhole in life: job loss, wage reduction, death of a spouse, divorce or any number of situations that can throw the average American off their path. You may also be just one of those credit cardholders that have overextended yourself and can’t make your minimum payments.

In any event, a good credit counseling service may be the answer. First of all, you can expect to have your income and expenses analyzed to see if you can even afford a reduction in your payment amounts. If you qualify, the counseling service can consolidate your credit card payments into one monthly payment after negotiating with the credit card companies to reduce your interest rate. Thus your monthly payment is lower.

However, your payment does not drop as you pay down your debt. The payment remains the same until all debt is paid off. When one of your accounts is paid prior to the end of the program, that money is spread out to the remainder of the creditors owed. The whole idea is to get you out of debt in a few years.

Most people who find themselves in debt with high interest rates are looking at 15, 20 or sometimes even 30 to 40 years to pay off the debt with minimum payments. Most people don’t do the math because not knowing is easier and less painful. You don’t want to face the fact that the new vacuum cleaner or plasma TV that was on sale is going to end up costing you 3, 4 or 5 times the price once you add on the interest.

The most important part of the process is the big C word: COMMITMENT! You have to make a conscious decision to get out of debt and stay out of debt so you can build on the future, not watch it slide out from under you. Most people do not complete a program for this reason. Change is very hard. But it’s also very rewarding. If you commit and stay with it, you will improve your credit score as you get out of debt because you will be improving your debt to income ratio which is a BIG part of determining your credit score.

When you do complete the Debt Consolidation Program and vow never to get yourself in that situation again no matter how many reward points or cash back or whatever the gimmick of the day is, you will feel incredible! It’s like loosing weight or stopping smoking only better because you will feel in control of your financial future. And if you’re really committed, once the debt is paid off, that money you have disciplined yourself to pay every month should go into savings and investment. Watching that grow will reinforce that feeling of control over your life literally change your life.

If you have credit card debt that you cannot pay even under a Debt Consolidation Plan, you may want to consider a settlement with the credit card companies.

Bankruptcy – A Last Resort Option

If you find yourself in serious financial troubles, there are several options at your disposal as you try to get a handle on out of control debt. Debt settlement, debt relief, debt management and the like all offer solutions to try and help you make affordable and acceptable arrangements with your creditors. If your debt has spiraled out of control to the point you cannot work out affordable solutions, a last resort option might be bankruptcy. Personal bankruptcy, while it has pros and cons, can help you reset your finances, so to speak.

The biggest positive to filing and following through with bankruptcy is obviously the fact that the creditor calls will stop and the stress of debt you cannot control is alleviated. Finances are once again controllable. Bankruptcy proceedings are generally all completed within a relatively short time frame, usually about six months. While it is not a light decision to make, at least it can all be resolved as quickly as possible and life can go on. It is important that you control your finances after bankruptcy and do not allow a repeat performance. Bankruptcy cannot be filed again for at least seven years, but the idea is to never need such financial rescue again.

Bankruptcy does bring about negatives, the biggest one being that filing bankruptcy completely decimates your credit for quite some time. It appears on your credit report for ten years. Following bankruptcy, it is nearly impossible to get any kind of loan, mortgage or the like for several years. After a few years have passed, some places will work with you if you have a good history building since the bankruptcy. This depends on the place and the type of loan, though, and is not a likely thing to happen.

Once bankruptcy has been filed with a reputable attorney, processed through the court system and the proceedings all signed, sealed and delivered, the creditors will cease calling and your new financial future begins. It is important to start off and keep the finances under control, to keep spending affordable and within whatever the budget may be. By using the bankruptcy as a personal finance restart, the family finances can come back stronger and more secure, if done properly. Bankruptcy does not hold the same ‘end of the world’ stigma that it used to, so it is a tool that can be used if need be.

Horizon Debt Group, LLC has partnered with a true national law firm. We will help make the bankruptcy proccess as easy and “pain free” as possible. Give us a call today!

Fill In The Form On The Right And Find Out How Much You Can Save Instantly!
Or Call 888-894-0777 For Your Free No Obligation Consultation.

Credit card debt is one of those things that can escalate fast in the event of late payments. Whatever the reason behind the late payments, whether job losses, medical problems and the like, credit card late fees add up quickly and make the overall debt worse in short order. In the situation where credit card debt has escalated out of control, a debtor may use a debt seetlement company to arrange a debt settlement with their creditors. A debt settlement is simply where the one who owes the money (the debtor) and the one to whom the money is owed (the creditor) come to an agreement about a lower debt balance amount that will be accepted as payment in full on the account.

Most creditors will not consider even discussing a debt settlement until the debt is well past due and the balance is adding up quickly due to nonpayment and late fees. The reason for this makes sense, for in the case of debt settlement, the creditor is going to agree upon a lesser amount than the original debt. This typically causes them to lose money and that is not good business. However, in the event of past due accounts and situations where the account is not likely to be caught up anytime soon sometimes an agreement can be reached.

Horizon Debt Group, LLC is a Credit and Debt Settlement firm that has helped many consumers overcome their unique financial challenges. We invite you to take advantage of the many resources our Debt Settlement Services has to offer starting with a free consultation with a Certified Credit Counselor.

We have partnered with a true national law firm. Our partners have law offices in all fifty states. Our professionals are dedicated to helping our clients resolve their debt problems. We provide Debt Settlement Services nationwide and we have a professional alliance with many of the nation’s most reputable Debt Settlement Companies to assist our clients as advocates for their rights.

For years large corporate law firms have helped business clients solve their debt issues by negotiating “financial workouts” with their creditors allowing them to stay in business and work through difficult financial times. Horizon Debt Group, LLC and our preferred partners have created a cutting edge Debt Settlement Program to provide our clients with these same types of services allowing you and your family to focus on more important issues in your life. Like a security blanket, our partners provide all the law-related services you need to resolve your debt.

Many Debt Settlement Companies promise results and advertise exceptional settlements as commonplace. Horizon Debt Group Debt Settlement is different. We have partnered with experienced attorneys and trained legal advocates. This is our guarantee to you: If we do not reduce your debt by at least 35% of what you owe, we will refund your fees for settling that particular debt and still resolve the debt on your behalf.

Call 888-894-0777 For Your Free No Obligation Consultation.

Debt Settlement Programs

A Debt Settlement Program can reduce your unsecured and credit card debt by as much as 80%! You can be debt free in as little as 12 months. Our experienced Debt Settlement Consultants are available and ready to tailor a Debt Settlement Program that is perfect for you! There isn’t a “one size fits all” Debt Settlement Program like you will find with most Debt Settlement Companies. We know we must we work with you to provide flexible effective Debt Settlement Options!

We pride ourselves with having the very best customer service in the Debt Settlement industry. When you call us, you will find friendly and knowledgeable staff standing ready to help you with all of your Debt Settlement needs!

Debt Settlement – A Better Alternative

Debt Settlement Programs offer a viable alternative to bankruptcy, debt consolidation and credit counseling. If your credit cards or other unsecured debt have become overwhelming, we can help you reduce your total debt enabling you to pay off a significantly reduced amount, fast! We have fast approvals. Usually in as little as 1 hour. We offer affordable alternatives to help you eliminate up to 80% for your debt.

Take control of your finances today! Debt Settlement already has agreements with every major credit card company and bank in the U.S. as well as many overseas institutions. You can settle your debts and literally pay pennies on the dollar. Each Debt Settlement Program is customized for each client to ensures the most effective program. Your Debt Settlement Counselor will discuss the Debt Settlement process and your entire financial situation. We not only understand debt but we understand the stress that is involved with debt. Let us help you start your debt free life today!

We are the Nation’s Leading Debt Settlement Company!

We provide Debt Settlement using completely Legal and Ethical methods that have been developed over many years. We on a mission to help you eliminate your debt and regain your financial health. If you are looking for a Debt Settlement Company, you have found the top experts in the industry. We excel at helping consumers like you get out of debt with our time tested Debt Settlement Programs. The Debt Settlement services we provide yields a simple financial strategy that will help you get out of debt in the fastest manner possible and remain debt free forever!

Our Debt Settlement Programs offer solutions that will help you get you back on your feet fast. We will customize a Debt Settlement Program with a payment schedule that you can afford. Imagine your life debt free! We have helped thousands of people just like you. Why wait to eliminate your debt?

For Your Free No Obligation Consultation Call 888-894-0777.

Do you owe the IRS back taxes that you just can’t pay? Do you have unfiled tax returns? Are you the victim of a wage garnishment, bank levy, or asset seizure? You are not alone. Thousands of taxpayers owe back taxes. The majority of those taxpayers do not understand their rights while engaging with the IRS or Taxing Authorities.  Our Tax Advisors understand that tax issues can be frustrating and emotional  as well as a very complex process.  Every client’s situation varies with their current financial situation and filling status.  We are experts in handling all situations.

We understand that this can be a very stressful and difficult time for you and your family and we are here to make this process as easy as possible. We are sure you are going to have a lot of questions while reviewing our web site and we want to provide you with all of the answers you may need. Feel free to e-mail us at info@bedebtfreenow.org with any questions you may have or, of course, give us a call at our toll free number listed above. We are eager to assist you with your tax difficulties and provide you with the quality service you deserve.  We provide you with the solutions you need and make certain that you understand our process.

To resolve IRS problems requires not only the understanding of the tax law, but how the IRS operates internally. Our  tax advisers work with the innovators in our field and a good percentage of our tax professionals have actually been employed by the IRS at one point in time. With our wide knowledge base and extensive experience we know what it takes to get the job done right the first time and protect you throughout the process.

If you choose to retain our tax resolution services you will have your own customer service representative to provide ongoing support and answer any questions and concerns you may have throughout the process. Our success in resolving tax issues originates from providing education and communication for our clients. We will provide you with ongoing support. You will receive newsletters about changes in the tax code, as well as insider tips on deduction techniques.  We feel that our business relationship is built on trust and communication.

There are Solutions available and they are just a phone call away. 888-894-0777