Settlement is always a viable option, when dealing with indebtedness. A creditor often will be willing to settle the account for a lesser amount, rather than using garnishment or court proceedings for collection.

Though a creditor may make a settlement offer to a debtor somewhere in the 75% to 85% range, we can usually intervene and negotiate a settlement for much less than that amount, because of our experience and the track record we have achieved with these creditors in the past. Our involvement in the settlement process assures the creditor that the results will be successful.

People sometimes choose settlement over other debt relief options for a variety of reasons. Sometimes the type of debt does not qualify for treatment with other debt relief programs, as is the case with judgments and some types of auto repossessions.

Other times, the client has no choice but to make payments in order to clear his debt, and a settlement plan can be structured in a manner that will allow him to clear the debt over a period of time.

Most of the settlement plans we administer totally clear the debt in about 3 years or less - with payments usually not exceeding the minimum payments that were being made on the debt - and often even reducing the amounts of the payments that were being made.

This is a real benefit to the client, considering that most unsecured debts would normally take 30 years or more to clear by just making the minimum payments. Clearing the debt in about 3 years by paying just the minimum payment amounts, or even less, provides a substantial savings.

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