Problem: “My debt is insurmountable.”

Personal debt - specifically credit card debt - has reached epidemic-like levels in America. Balances are at all-time highs, with Americans carrying $682 billion in credit card debt that is not paid in full each month. This includes both people paying interest and those with a balance on cards with a 0% introductory rate. A Consumer Finance Protection Bureau study, found that only 29% of all credit card balances are paid in full every month, which means 71% of all credit card balances carry over each month, which only adds more debt in the form of interest charges.

According to Experian, the average American credit card balance is $6,348. This does not even include store credit cards, which have an average balance of $1,841. And according to the American Bankers Association, 43.8% of all credit card accounts are not paid in full every month. Additionally, those who do not pay off their accounts in full every month tend to carry higher balances.

43.8% of all credit card accounts are not paid in full every month

Sometimes an individual's debt can become so large, that it becomes totally unmanageable. The monthly minimum payments required on multiple credit and/or loan accounts become so large, that you either can only make the minimum payments and keep falling behind due to interest charges being added or worse, you begin to make late or missed payments altogether, adding more charges in the form of penalty fees and sending your credit into a tailspin. This can become a vicious cycle, that for some, becomes impossible to recover from.

How We Solve it:

Does any of this sound familiar? High balances and revolving debt that you’re unable to pay off in full at the end of the month? If you find yourself in this kind of situation - truly unable to pay off your debts - our experienced consultants can help solve this problem for you. We do so by contacting your creditors directly on your behalf and work to negotiate a more favorable payment amount, often getting your overall debt load reduced by 40% - 60%. Sometimes this requires multiple rounds of negotiation with the creditor, as some are less willing than others to take less than the full amount owed. Our IAPDA certified consultants are highly skilled at these kinds of negotiations as a result of our longstanding experience in the industry and knowledge of how to procure these types of settlements with creditors. We have over a decade of experience helping people in the exact same position.

If you have anywhere from $7,500 to over $100,000+ of unsecured debt that you’re unable to pay, we can settle those debts for less than the outstanding balance owned for you.

Client Testimonials

Debt Relief Done Right.

Our proven programs help you pay off your debts in 24-48 months.

We negotiate with your creditors to significantly reduce the amount you owe and slash your monthly payments.

Ready to cut the ball and chain of debt and get your life back on track?

Contact us today to find out how we can help.