Debt settlement helps to lessen the amount you owe by negotiating your balance down, allowing you to pay less than the total debt. The remaining amount is then forgiven by the creditor through a process known as settlement.

Our approach is straightforward. Instead of making payments directly to your creditors, you will make monthly deposits into a Dedicated Savings Account that is established in your name and under your control. Once sufficient funds accumulate, we will begin negotiations with your creditors to secure reduced payoff amounts. Since you stop direct payments to creditors, they are often willing to accept a lesser amount rather than risk receiving nothing. Upon reaching an agreement, you will give us permission to settle your debts with the funds from your Dedicated Savings Account at these agreed-upon, reduced amounts.