Debt settlement, also referred to as debt negotiation, is the art of negotiating with your creditors so they will accept less than the full amount of the debt owed to them, generally 50–65 cents on the dollar, in full satisfaction of the debt.

The goal of our debt settlement program is to get you out of debt within a relatively short amount of time (18 months or less), at a significantly reduced cost, without having to file bankruptcy. When you enroll in our debt settlement program, you’ll be able to see that there is light at the end of the tunnel.

The fact that debt settlement is a means of becoming debt-free while avoiding bankruptcy is often a big relief to people, many of whom simply do not want a bankruptcy notation on their credit report and in public files. With debt negotiation, you will never have to check the “yes” box to the question about whether you have ever filed a bankruptcy. We see this question on applications for unsecured credit, mortgages, apartments, and even some jobs.