Debt Settlement – What To Expect

What Should You Expect From a Debt Settlement Program?

Account Inquires

Recent account history is an important aspect of negotiating a settlement. Therefore, it is necessary for our Debt Counselors to ask personal financial questions. Our Debt Counselors are sensitive to personal privacy and only ask questions that are required to help negotiate a settlement. It is important to answer the questions accurately and honestly.

Include All Unsecured Debt

We highly recommend enrolling all unsecured debt in a settlement program. Creditors may refuse to negotiate if a large amount of unsecured debt remains independent of the program. The creditors maintain the opinion that if the client is capable of making payments on a different account then they could reasonably make payments on the account being negotiated. It is important to include as much debt as possible in order for negotiations to progress more effectively.

Honest Advice

We believe our debt settlement programs are the best choice for many Americans. However, they are not the best choice for everyone. Taking no action, bankruptcy, credit consolidation, credit counseling, and debt settlement programs can have negative consequences. A reputable debt settlement company will inform you of possible consequences of every option and alternative allowing you to make a fully informed decision. We pledge to explain every option that exists and help you pick a program that will work best.

Program Completion in Approximately 3 Years

Debt settlement programs are most effective when they are completed in 36 months or less. We will always work to structure a program that will be most effective for you. Creditors are most likely to agree to a settlement when there is a clearly structured schedule of repayment. Creditors are more likely to seek legal remedies for accounts that stretch past five years without the debt being satisfied. We encourage all clients to complete the program in 36 months or less unless there are unique circumstances.

Other Information Regarding Your Credit History

In order for us to negotiate a settlement effectively, it is important to know everything regarding your credit including all outstanding debts, currently delinquent payments, and past delinquent payments or defaults. Our Debt Advisors understand it can be intrusive and sometimes embarrassing for people to openly discuss their finances and are sensitive to your privacy. Our Debt Advisors have helped clients with varying degrees of debt and financial hardship and are skilled at recommending a program that will best help you.

HonestDebtSettlement.com – The Debt Settlement Company You Can Rely On

We strive daily to be the most ethical and “customer-first” company in our industry. We review your individual circumstances and discuss all of your available options. If a debt settlement program is the best option based on your situation, we then go to work on customizing a debt settlement strategy that will work best for you. We place a high importance on customer service and our Debt Advisors simply excellent.

Why Choose Us?

We are a leading provider of debt settlement programs, offering consumers alternatives to bankruptcy and enabling clients to settle their unsecured debt for 40% to 60% of the original balance within three years. Debt settlement programs are more attractive for many people who find themselves trapped financially and who want to avoid the repercussions and stigma of filing bankruptcy.

We have many experienced Debt Advisors who work with our clients to find the best possible program to help alleviate financial strain and settle unsecured debt. Our negotiators have settled many accounts, providing substantial savings to people just like you – but more importantly…help to reduce stress levels and increase the overall quality of life.