ARE YOU IN DEBT?  We can help!

Are you ready to reduce your debt and move on to a financially secure future?

End late & over limit charges

Reduce or eliminate interest charges

Stop collection agency calls

Reduce your monthly payments

Click HERE to Get Started!

Common Questions

How does this work?
Our network of experts will combine your bills into one monthly payment. They also work with your creditors to negotiate the lowest interest rate, often adjusting late fees and service fees to save you even more money.
Is this a loan?
We are not a loan service. Our network members work with your creditors and in turn you make lower payments to them through this program.
Can I still use my credit cards?
No. Your account will be closed or frozen. By keeping the balances from going up, you will remain on track to get out of debt faster.
Will I pay my creditors directly?
No. Once you retain our member’s services, they will be negotiating on your behalf, so your creditors will be paid from your settlement account.
What if I can't make my payment on time?
Unfortunate life situations occur. Please call our network member handling your account as soon as you know there is going to be a problem with keeping your payment schedule.
If the circumstance isn't short term and you fail to make two consecutive on-time payments, the member might have to terminate your plan with them. It's important that you keep our member informed when there is a problem.

Debt Settlement

It’s time you knew this.

You have rights regarding your unpaid debts. Of course, a creditor can take legal action against you in court and potentially win a judgment. Don’t assume that this will always happen, however.

Is this you? Feeling consumed and overwhelmed by debt?

Too many consumers believe that their debts are overwhelming and that there is nothing they can do other than file bankruptcy. Not so. And don’t believe those frightening tales told by collection agencies of gloom and doom, especially about garnishment and seizure of property.

Debt settlement is a practical solution that is very effective.

Defining and Understanding Debt Settlement
Debt settlement, also known as debt negotiation, is a method used to permanently eliminate some types of debt. Often reserved as a last attempt to collect a debt prior to writing it off as uncollectible, creditors are sometimes willing to accept a reduced financial settlement in order to fully satisfy a debt.

Can Debt Settlement Hurt My Credit?
One of the most common questions that individuals have regarding a debt settlement program is how their credit report will be affected. Some experts state that debt settlement is damaging to a credit score; but compared to the alternative of having continually reported late or missed payments, debt settlement shows that you have made an attempt to repay the creditor within your means. Once a creditor accepts a debt settlement, they will report the account as "Settled Account" or "Settled in Full" to each of the three credit reporting agencies, including Experian, Equifax and TransUnion. Every 12 months, you can obtain a free copy of your credit report from each of the three credit reporting agencies noted above.

Depending on the total amount of debt that you currently owe, a debt settlement program can take several months or even several years to complete. They are one of the industry's best kept secrets, allowing debtors to get in control of their finances.

Interested? Learn more about debt settlement and get started.

Privacy Protected

© 2010 DebtFreeRightNow.com. All rights reserved.