Top ways to tell that you are in over your head in debt:
You are only making the minimum monthly payments on your credit cards
You are behind in making monthly payments to any of your creditors
You don’t have 3 months of expenses saved up for a “rainy day”
The ice cream man drives by your neighborhood and while your kids run towards his truck, you run in the opposite direction
You don’t have 2 months of expenses saved for a rainy day
Your debt collectors have you on their speed dial because they call you so much
You think there are just too many days between paydays
You Need To Get Out Of This Financial Hole, So What Are Your Options?
File for bankruptcy. Just note that a bankruptcy can stay on your credit report for up to ten (10) years
Ignore your creditors and hope they go away. They probably will sell your debts to a debt buyer and totally trash your credit along the way
Hire Us To Settle Your Debts
Let us make a deal with your creditors that allows you to pay a lower sum, in payments, over time
Compare Your Options
Although there are times when filing bankruptcy makes the most sense, we think that for many people, debt settlement makes even more sense.
Less damage to your credit than bankruptcy
Shows future creditors that you do try to pay what you can
No judge, court or trustee involved; just the creditor and your lawyer
No public record of you filing for bankruptcy
You are in charge of making your own deals
Chapter 7 stays on your credit reports for up to 10 years; Chapter 13 stays on your credit reports for up to 7 years
Trustee may be appointed over some of your assets
Court has to approve your bankruptcy
There is a public record of your bankruptcy filing
How Our Program is Unique
We charge 15% of your outstanding debt which is payable over time. We know you are not cash flush and are happy to work with out.
We will also review your credit reports at no charge to see if there are errors or mistakes on it. If we can find something on your credit report, we may be able to make you up to $1,000 or more in damages.
We do not and will not handle your payments to your creditors. We are happy to make deals for you to settle your debt but once we do, you will make payments directly to the creditors.
While we are new to the Debt Settlement space, we have been in business since 1990 and fixing credit reports since 2007. Put our experience to work for you.
Have questions about your credit report?
We have answers! Call or email us for a free confidential and no obligation consultation