Debt Resolution
Settle Your Debt for Less Than You Owe
Debt resolution — also called debt settlement — is a process where we negotiate directly with your creditors to accept a lump-sum payment that is less than the full amount you owe. Most clients resolve their debt in 24 to 48 months.
How It Works
1
Free consultation
We analyze your total debt, monthly cash flow, and credit profile to confirm debt resolution is the right fit.
2
Build your dedicated account
You make affordable monthly deposits into a dedicated savings account you control — not to your creditors.
3
We negotiate
Once sufficient funds accumulate, we negotiate directly with each creditor to settle for less than the full balance.
4
Debt resolved
Settled accounts are closed. Most clients complete the program in 24 to 48 months and save significantly.
Honest disclosure
Debt resolution typically causes a temporary credit score drop of 50 to 150 points. Payments to creditors stop during negotiation, which creates delinquencies. Once debts are settled, scores recover — most clients see improvement within 12 to 24 months. This is not bankruptcy.
Good fit if you have:
- ✓$10,000+ in unsecured debt
- ✓Credit cards, medical bills, personal loans
- ✓Financial hardship (job loss, medical, divorce)
- ✓Cannot afford minimum payments
- ✓Want to avoid bankruptcy
May not be right if you:
- ✗Qualify for a low-rate consolidation loan
- ✗Can pay off debt in 12 to 18 months
- ✗Have mostly secured debt (mortgage, car)
- ✗Need to apply for credit soon
Is debt resolution right for you?
Free 30-minute consultation. We run your numbers across every option — not just settlement.