General Process

Step 1
First we evaulate your financial situation. We will consider every aspect of your debt and income to identify and find a program that best fits your specific needs.

Step 2
When the best option for you is determined and is agreed upon, your advisor will contact the best organization for your situation to confirm your Pre-Approval. 

Step 3
Upon Pre-Approval confirmation, your advisor can guide you through a few processes to help you manage your finances, budget your expenses, give you a better understanding on how to improve your credit score, or connect you with the agency your Pre-Approval has been established with.

   Debt Settlement   

Debt Settlement involved negotiating with creditor to pay off a percentage of your total debts owed on your unsecured debt at agreed upon settlement amount.  This is a program not base on credit or equity, but rather on hardship.  Debt settlement is a smart alternative to bankruptcy and is considered the fastest, most aggressive approach to getting out of debt in the shortest time possible, without filing for bankruptcy.  Put a stop to a never-ending minimum payments which hardley put a dent on your balance.  We can help!

Step 1
First we evaulate your financial situation. We will consider every aspect of your debt and income to identify and find a program that best fits your specific needs.

Step 2
Once you are enrolled into the “Savings and Settlement Plan” you are assigned a Settlement Coach; your main point of contact for the program. Each Settlement Coach has a team of assistants that will assist you with payment questions, creditor questions and your overall progress throughout the program. Initially, they will discuss with you the objective of your savings plan, how it is used to settle your accounts, the effects this program will have on your credit report, as well as the different methods creditors and collection agencies take when trying to collect on your accounts.

Step 3
When you agree to the settlement, our advisors will contact your creditors and agree to the terms on your behalf. Your debt will now significantly be reduced.

Debt Settlement involved negotiating with creditor to pay off a percentage of your total debts owed on your unsecured debt at agreed upon settlement amount.  This is a program not base on credit or equity, but rather on hardship.  Debt settlement is a smart alternative to bankruptcy and is considered the fastest, most aggressive approach to getting out of debt in the shortest time possible, without filing for bankruptcy.  Put a stop to a never-ending minimum payments which hardley put a dent on your balance.  The effects of Debt Settlement on your credit will be less damaging than a bankruptcy mark on your credit for 10 years.

Debt settlement has a short term negative affect on your credit score.   However, few people with financial hardship have perfect credit to begin with. The goal is to get you out of debt in much less time and on our way to financial freedom.  Debt settlement has an immediate short term negative affect on your credit score.  In general, you credit score will decrease while you are in the program, and will start to improve again after you become debt-free.  Decrease in credit score is seldom an issue for people.  Once you complete the debt settlement program, your credit score will have an opportunity to become much higher than it was even before entering the program. Let's Get Started!