Information

In debt negotiation , the only way to have creditors stop late fees is to be current with the account or to reach a settlement. But, if one is current with the account, creditors will not settle at the sizeable reductions that we want to get you. Once the settlements come through, you are then at a net savings because the reductions are far greater than any fees that the creditors may tack on.

. If your accounts are slightly or significantly delinquent at this point, debt negotiation is going to have a direct improvement on your credit because it will show that these accounts are resolved and your debts wipe clean.

. If your accounts are current at this point, then your credit will decline during the program as the accounts go delinquent and then as each one is settled, your credit should improve with some negative marks taken off.

. The positive affects on your credit report is that your future ability to pay goes up, and the late marks can generally be removed from your report after settlements are done with credit restoration. A settlement means that you have paid back an agreed-to amount to the creditors.

We work with unsecured debts that have no type of asset attached to them, such as a house or car. Most negotiation loans or second mortgages are secured with assets.

Debts we can work with: Credit Cards, Unsecured Bank Loans, Professional Fees, Unsecured Lines of Credit, Repossessed Vehicle Loans, Dental Bills, Collection Agencies Merchant and Store Cards, Hospital and Medical Bills, Unsecured Business Debt, Creditor Law Suits, Collection Attorneys, Judgments and Liens.