| Debt Settlement - Alternative solutions based on your financial capability |
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| Credit Counseling (CCC) - A greater than 70% Failure rate |
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| Debt Consolidation - Converting unsecured debt to secured debt |
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| Bankruptcy - Only as a last resort |
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Debt Settlement Programs have the greatest range of applications and are based solely on the financial capability of the debtor providing an alternative to Bankruptcy. Our programs are flexible and can be modified to accommodate special creditor offerings as well as changes in the debtor's income or expenses without disrupting the program. Those who qualify for debt settlement could be out of debt in as little as 2 to 5 years. These programs provide creditors with an alternative to costly civil litigation, which if successful for the creditor often drives the debtor into Bankruptcy from which the creditor rarely recovers the debt much less the cost of litigation. |
