Don't Pay Back

Settle Your Debts Today

Pay back just pennies on the dollar
"I only had to pay $984.70 on a $15,000 credit card bill" *
For example:
If a debt is over 4 years old, they can no longer sue you or threaten you. But, if you make a payment or contact your creditor, you start the clock over again and they can take action.

Know your rights. Fill out the form on the right and tell us your debts. We'll tell you which ones you DON'T have to pay and we'll a make a deal for the rest.

Don't talk to any of your creditors until you fill out the form on the right and know your rights.

Debt Settlement Can Be Your Friend

Settling your debts may seem like a pain when you start seeing those numbers on your bills, but for all you know, putting off paying your debts can be even more painful. It’s a good thing that there are debt settlement companies out there willing to help you settle your debts. Thankfully, many of these debt settlement companies are online and have hotlines available 24/7.

Often, the reason why one can’t pay off debts is due to unforeseeable circumstances—family emergencies, loss of a loved one (especially if that loved one brings income to the family), or simply job loss. Under these kinds of situations, debt settlement can be your friend.

When done correctly, debt settlement can reduce unsecured debt by 50% or even more. This is because when you apply for a debt settlement program, your disposable income will be saved in a savings or “special purpose” account. When the money you put into it accumulates, your debt settlement company will negotiate with your creditors—one at a time—to agree to let you pay off an amount that is less than your original debt. This is repeated with each of your creditors until all of them have been paid. Pretty easy, right?

But you must be thinking: why would my creditors take only my partial payment? The answer is quite simple: your lenders don’t want you to go bankrupt because they’d rather receive partial payment than nothing at all.

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