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The majority of Americans don’t have the skills, knowledge or time to successfully negotiate a debt settlement. Many people think since they have been a customer of the credit card company for a long time they will be sympathetic to their situation and give them a break.

We wish successfully negotiating debt was that easy but the bottom line is it’s not. To successfully negotiate a good settlement with your creditors it takes many well thought out phone calls and settlement proposals over time.

Debt negotiations require the unpublished knowledge of the policies and procedures of hundreds of companies regarding how debt settlements are handled. A tactic that works with one company could have the reverse effect and cause another company to become more aggressive. It is imperative to know when you are getting the best deal and when you are not, only experience will give you this knowledge. Another often over looked aspect of debt negotiation is having the proper contacts within the credit card companies themselves.

We have been extending debt negotiation services to Americans looking to resolve their debt situation in the fastest amount of time for the least amount of money. Since then we have negotiated and settled tens of thousands of accounts. In doing so we've continued to expand and refine the process and program that we believe to be one of the very best in the country.

It starts with our philosophy, which is one of "full disclosure.” That means we are giving our potential clients the entire story up front, both the advantages and the potential disadvantages of debt settlement and making every effort to set the proper expectations upfront. We fully review your unique financial situation to see if debt settlement is right for you.

We welcome the opportunity to learn more about your situation and together we can determine if our debt negotiations program will be able to help you resolve your current financial crisis and get back on the road to financial freedom.

If you are unsure of what to do about your situation we encourage you to either fill out an application requesting more information or call the toll free number below to speak with one of our debt analysts immediately. You are never under any obligation when you call or fill out an application for an appointment.


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Total Unsecured Debt? (Must have $10,000 to qualify) *  What is unsecured debt?
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What is Unsecured Debt?
Unsecured debt consists of debt obtained from a creditor where the creditor does not hold any collateral that they can take back if you fail to pay.
Unsecured debts:
  • Credit Cards
  • Store Charge Cards
  • Medical Bills
  • Unsecured Personal Loans
  • Lines of Credit
  • Health Club Memberships
  • Magazine/Record Club Fees
  • Cell Phone Bills
  • Signature Loans
  • Collection Agencies
  • Credit Lines
Secured debts:
  • Home Loans / Mortgages / HELOC's
  • Secured Loans
  • Auto Loans
  • IRS Tax debts
  • Student Loans
  • Payday Loans
  • Jewelry Accounts
  • Government Loans
  • Apartment Leases / Rent
  • Utility Bills
  • Credit Union Loans
  • Debts pending lawsuits
* "As Seen On" information refers to paid advertisements that have run on the websites of the properties listed above. The trademarks included on this page are property of their respective owners, who have offered no endorsement of this product.

Free Consultation includes:

Personal Financial Training

Get the training you need. We offer our members essential educational resources, useful tips, and key strategies that help them break the cycle of debt, and build secure financial futures.

Financial Analysis

Our sophisticated and powerful financial analysis system will track your every dime, and help determine how to pay off your debts and plan your financial future.

Financial Education

We provide consumers with the practical training they need to reduce and eliminate debt from their lives

Fill out our brief online form or call us toll-free today. We're here to help get you back on the road to financial freedom.