Look at where paying creditors directly has gotten you so far. Chances are you have already paid them for what you bought and the balance left over is just interest charges. We hear all the time that creditors were not willing to work with debtors. If you would like to find out how these programs might benefit you, just give us call.
Calculator is for estimating purposes only and may not be accurate or apply to your situation.
*Individual results will vary based on circumstances, including your ability to save sufficient funds and completing the program. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume or pay any consumer debt, or provide tax, bankruptcy, accounting or legal advice or credit repair services. Debt Settlement programs do not make monthly payments to creditors. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Read and understand all program materials prior to enrollment.
Debt Settlement Debt Negotiation works by negotiating the balance owed on your unsecured debt so the amount paid is less than owed. We design an affordable monthly savings plan and your savings are used to obtain a deal from your creditors.
Most likely, yes. Any time you are behind, with or without a program, you will receive calls. However, many creditors are accommodating. Additionally, calls may reduce after the original creditor receives a detailed hardship letter from you.
Debt Settlement or Debt Negotiations effect on your credit score will depend on your current credit status before starting any settlement program. Very few people with debt problems have perfect credit and debt settlement is meant to be a hardship program.
We are the Debt Rx and are one of the longest operating Debt Settlement and Debt Negotiation firms in America. We are not the largest, because our focus has been more on personal attention and service of existing clients than that of enrolling new ones.