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What you need to know about Debt Resolution

What is a Debt Resolution?

Debt resolution involves a personalized plan that effectively enables a negotiator to negotiate a compromise with creditors to settle unsecured debts.  Debt negotiation has become a viable alternative for thousands of consumers across the country and is a viable alternative to bankruptcy. 

Credit Settlement Solutions is dedicated to helping you live better and reduce your debt.   If payments stop to creditors, balances continue to grow because of late fees and ongoing interest.  By taking your first step in getting debt resolution, you may be on your way to becoming debt free.

 If Debt resolution program is a good solution for you, the National Law Firm will work within your budget to create a monthly payment you can afford.   If you are successful in the debt resolution program, you will be able to reduce your overall debt, stop and you will have more disposable income each month for your personal needs.

Why Negotiate Your Debt?

Debt negotiations may drastically reduce your total debt. A Debt resolution program also provides flexible payment options in either a low affordable monthly payment or you can pay in a lump sum. By Negotiating your debt, you may be able to increase your monthly cash flow and it is a viable alternative to bankruptcy. There are no credit checks and home ownership is not necessary. By taking your first step in getting into this debt resolution program, you may be on your way to achieving financial freedom.

A debt resolution program can help people facing all kinds of financial hardships, including:

  • Loss of job or income
  • Medical expenses and/or Illness
  • Being turned down by debt consolidation companies
  • Being overwhelmed by high interest credit card debt
  • If you are contemplating bankruptcy
Advantages of Debt Resolution as an attractive alternative to bankruptcy:
  • You may reduce your debt substantially
  • Increase your monthly cash flow
  • Simplify your finances
  • Flexible and personalized payment options
  • On the road to financial freedom much sooner

How Does It Work?

Credit Settlement Solutions will prequalify you for a debt negotiation and we will refer you to a national law firm.  If it is determined that debt resolution is a viable option for you, the law firm will negotiate with unsecured creditors (credit cards, retail store cards, medical bills, judgments, personal loans, etc.) on behalf of the client for an amount much less than the balance owed.

There are two ways to negotiate a debt:

  • 1) Lump Sum: the account is paid off in one payment
  • 2) Term Settlement: the account is paid off over an arranged period of time

 If it is determined that a debt resolution program is a viable option for you, the national law firm will assist you in negotiating your debt and help you compose an affordable monthly payment.

The Process:
  • You will be asked to put aside and save a set amount of money for settlement funds, this is paid on a monthly basis in a savings account under your name that you have complete control over.
  • This amount will be determined in your initial analysis based on your total amount of debt and it will be in line with your income and expense budget.
  • Each individual has a unique situation and your negotiations process will take, depending on the amount of debt you owe, between 6-9 months.
  • As soon as the creditors agree to a negotiated amount then the negotiator will present the offer to you.
  • After the offer is presented and you accept, you will contact the creditor and pay the amount agreed upon from a savings account to the creditor.