Our firm’s focus is on settling your debt; not consolidating it or entering you into a debt management program. Many people confuse debt settlement programs with debt management; however the programs are drastically different. Our programs are structured to help people repay their debts by negotiating the amount owed while debt management programs only negotiate the interest rate. This is dangerous for a variety of reasons. First, if you miss one payment the interest rate will go right back where it was before you entered the program. In today’s economy, we need flexibility more than ever. Should you lose your job, the last thing you need is to know your credit card payments will be going back up! Our program allows the flexibility you need because we settle the amount owed on the cards, not the interest rates.

Our programs get you out of debt sooner than debt management or debt consolidation programs and save you thousands of dollars in interest. We want our clients to begin rebuilding their credit and saving for their futures as soon as possible. Our clients will be out of our program in 1-3 years but a debt management client won’t be done for 5-7 years. Also, a typical client will come to us with $10,000 or more in unsecured debt and, while results vary by creditor, we will normally settle the debt down to 20-50% of the balance. Not only will a client be out of debt in 1-3 years as opposed to 30 or more, but they will also save thousands of dollars in interest.