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Once enrolled, you will diligently accumulate funds in your designated savings account.
As your savings grow, we begin negotiations with your creditor(s) using the accumulated funds.
Recognize that having a higher fund balance can expedite the completion of the settlement process. More available funds often lead to more efficient negotiations and faster settlements.
After we have successfully negotiated a settlement offer with your creditor(s), we will seek your approval on the settlement terms. It is important that you fully understand and agree to these terms before proceeding.
After reviewing the terms, the agreed-upon settlement amount will then be withdrawn from your designated savings account to fulfill the terms of the settlement.
Focus on reaching settlements with each of the creditors you have enrolled with in our program.
Once all your enrolled creditors are fully settled and satisfied, you will have officially completed our program. Set yourself on the path to a more secure and robust financial future, having effectively managed and settled your debts.
Ready to take the first step?
Call Now: (516) 231-9239Clients who complete our program typically save approximately 45% before fees, or 20% including fees. Your actual savings will depend on your specific debt situation, creditors, and ability to make monthly deposits.
Debt settlement may temporarily impact your credit score. However, many clients find that once their debts are resolved, their credit begins to recover. If you're already behind on payments, your credit may already be affected.
Most clients complete the program in 24 to 48 months, depending on the amount of debt enrolled and your ability to make monthly deposits. Some debts may be settled sooner.
We can help with unsecured debts including credit cards, personal loans, medical bills, private student loans, and certain business debts. Secured debts like mortgages and auto loans are not eligible.
Yes, 100% free with no obligations. A certified debt specialist will review your situation, explain your options, and help you understand if debt relief is right for you. There's zero pressure to enroll.
Unlike bankruptcy, debt settlement doesn't require court proceedings and doesn't stay on your credit report for 7-10 years. It's a negotiated solution where you pay a reduced amount to resolve your debts.
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