Yes, our debt settlement experts can also settle medical bills, personal loans, repossessions, department store cards, gas cards, and accounts in collections. Since we negotiate with your creditors, we are unable to work with mortgages and cars, because they will be able to recover the property in the event that you do not pay according to the terms they stipulate. However, if you are having trouble with your mortgage payments and wish to remain in your home, please mention that to one of our experts and our trained legal team can evaluate your situation and possibly help you remain in your home through loss mitigation.
One night while struggling with bills, my daughter told me it was going to be okay. I decided to make a change and went online and found Settle Debts.com. Within a short time she was right. I entered into their debt settlement program and never looked back. Now both of us can enjoy living debt free.
Bad things happen to Good people. When I entered my debt settlement program, I knew right away I was with good people. I trusted them and they delivered on the debt relief that was promised.
When you enroll in our debt settlement program, we set you up on a monthly payment that is substantially lower than your current minimum monthly payment. In the meantime, our trained debt settlement specialist negotiates with the credit companies to get them to agree to substantially lower amount than you owe. Once you have saved enough money and a creditor has agreed to a pay off, our debt settlement team pays off the credit card company with a lump sum settlement that is a percentage of your original balance. 
First, you call 866-DEBT-595 or fill out the quick application on our site and then a debt settlement expert will contact you. Our experts will determine the best debt settlement program for you. Once you are accepted, one of our trained debt settlement specialist will contact you and then begin defending your rights and working on a settlement with your creditors. 
Yes, we only accept clients for debt settlement with more than $10,000 of debt, and each balance must be above $500 in order to be included in our credit card debt settlement program. 
The impact of credit card debt settlement on your credit depends a lot on what your credit is like now. If your credit is good now, then credit card debt settlement will have a negative effect on your credit. For consumers who have already fallen behind, it is possible that credit card debt settlement may impact your credit positively by paying off the accounts and raising your credit score. Your FICO credit score is primarily based on your credit history (35% of your score) and the amount you owe (30% of your score). In a credit card debt settlement program, your credit history is affected negatively and the amount you owe is affected positively.
You don't have any savings. You make minimum payments on all your credit cards. You get calls from debt collectors. You use credit cards for things you used to buy with cash, such as groceries, gas, or utilities bills. Your credit card debt to income is higher than it should be. You have more than three major credit cards that you are struggling to make payments on. You lie to your spouse or other family member about your spending or hide credit card statements from family members. After you pay your credit card bill, you increase your balance by the same amount (or more) the following month. You're at or near your credit limit on your credit cards. You write a check hoping that you have enough time to make a deposit before it clears. You're afraid to look at your statements each month. You lose sleep thinking about your debt. Your debt is putting an added stress on your marriage. 
In a credit card debt settlement program, our debt settlement specialist works on your behalf to reduce your balance sometimes an incredible amount. In a credit counseling program, counselors work on your behalf to reduce interest rates and not how much you owe. The average credit card debt settlement program lasts between 1 and 3 years, whereas credit counseling services last for between 4 and 6 years. In general, credit card debt settlement tends to be a more aggressive approach to debt elimination and living a debt free life. 
No, credit card debt settlement is very different from bankruptcy. For starters, bankruptcy has far wider implications to your credit versus credit card debt settlement. Bankruptcy is a suitable alternative for consumers who do not have any income or are seeking debt relief for secured debts like mortgages and car loans. In a Chapter 7 bankruptcy, the court orders a debtor to liquidate all of their non-exempt property and a trustee pays the creditors back with the proceeds from their sale. In a Chapter 13 bankruptcy, the court orders a debtor to turn over all their disposable income for 5 years. 