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Debt Settlement Debt Settlement also known as Debt Negotiation is the most cost-effective option to pay off your debts and relieve you of having to file bankruptcy. Debt Settlement is a proactive approach for debtors experiencing the stress of too much debt. We understand the stress and struggle of living with an overwhelming amount of debt. Our goal is to reduce and consolidate your debt so that you can begin living the lifestyle you've been dreaming about…being debt free! If you're simply paying minimum monthly payments, then surely it feels like you are spinning your wheels, getting nowhere. This option, through negotiation, will cut your debt down to a fraction of what you currently owe. So, you end up paying only a fraction of the debt! This program is custom-built for each client's current personal and financial situation and level of debt in order to make the process as quick and affordable for you. The negotiation process has been tested and developed over years of experience by our servicing company’s team of professionals in the field of finance and credit card debt. Our professionals are highly skilled in each of their fields of expertise. Through the established relationships that our servicing company has with the creditors and financial institutions, they are able to successfully negotiate the debts of our clients at a substantial discount. Creditors are willing to negotiate a debt with our servicing negotiators, on behalf of our clients, with the understanding that the settled amount will be paid in a timely manner. Furthermore, creditors are always looking to avoid the ineffective and costly efforts of an outside collection company. Our servicing company continually develops strong relationships with creditors throughout the country. Our servicing negotiators are always maintaining a very professional and cooperative relationship with the creditors in order to reach the most favorable settlement offer for our clients. Debt settlement is a legitimate way of solving your problem without the need for bankruptcy. Our servicing negotiators work each case individually to determine your eligibility and then, if you qualify, they will establish a program that allows repayment of the debt through affordable monthly payments. This approach reduces your debt vs. consolidation options. This approach assists you by reducing the time to repay the debt and by lowering the total amount you owe. Our Customer Service department has a membership with the USOBA!
Debt Settlement is a way to get out of debt in the shortest amount of time, and with the least amount of money without filing for bankruptcy. There are some drawbacks though. The IRS considers a forgiven debt as taxable income, so at the end of the year, they will expect taxes to be paid on the settlement. The IRS, however, has a form (#982) available for special hardships. The Following Accounts Qualify: Credit Cards The Following Accounts Do Not Qualify: Lawsuits / IRS Debt / Taxes
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