We are confident that we offer the best debt management program available. Our debt management program can reduce your debts by 40-60%. Just follow these easy steps
Get your Free Debt Settlement Consultation
The first step to our online debt management program is to get your free consultation with one of our Senior Debt Consultants. Call us Monday through Friday between 9:00 a.m. and 6:00 p.m. PST at (888)-443-3328 (DEBT) or you can fill out the simple, secure form on the right and hit "Get Free Debt Quote Now". A consultant will contact you within one business day to review our debt management program and to explain how debt negotiation can work for you.
Debt Reduction Program Qualification
The next step in our debt reduction program is qualification. A Senior Debt Consultant will review your information to determine if you qualify for our debt management program. In order to get you the best debt settlement, we want to ensure that we can work with your creditors. Your consultant will tailor the debt management program to meet your needs.
Calculate Monthly Budgets for Debt Settlement
Next, our debt negotiation experts estimate settlements for each of your debts. We then work within your budget to calculate a monthly amount that you need to set aside for debt settlement purposes. It is your responsibility to deposit this into your debt settlement account every month. You will not pay this money to us; you will deposit it into an account that you control at the bank of your choice.
We Notify Creditors You Have Joined our Debt Management Program
The next major step in our debt management program is the notification of creditors. Our debt negotiation team will contact all applicable creditors and inform them that we represent you. This will minimize or eliminate creditor calls and communication will be directed to our debt settlement office. Legally, they may still send you correspondence in the mail. If however, calls continue, you will inform them of our debt management program and direct them to our debt settlement team. Our goal is to eliminate annoying creditor calls throughout the debt negotiation process.
Approval and Payment of Each Debt Settlement
Our debt negotiation team will negotiate with each creditor while you are in the debt management program. Each debt settlement offer will be sent to you for your approval. Once approved, you will send the agreed upon funds directly from your debt settlement account to the creditor. Your debt will be considered Settled in Full, Settled, or Paid as Agreed. The process will repeat with each creditor until you have completed our debt management program and are debt free. The debt management program typically takes 12-36 months to complete.