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lower payments and reduce credit card balances with financial assistance from expert debt reduction negotiation by clicking here
With your debt relief plan, our first step is to develop a financial picture and credit profile using the debt information you provide to us when we begin your debt counseling process. Good credit management involves having a plan. That is the first step in successful debt negotiation - having a plan that is credible and that you can live with.

Many of your creditors already have a relationship with us. We have successfully reduced debt by up to 60% for many clients while at the same time, protected their creditors from complete loss. That gives us credibility and bargaining power. We work with each creditor to develop a repayment plan that they believe you will be able to keep. Each creditor is an individual negotiation for us.

Once we have renegotiated the balance owed for each account, one at a time, we calculate a new payment based upon the lower principal. You send the new, lower payment to that creditor until the account is paid off. This allows you to control your own cash flow - and your destiny, by the money you are saving. It also allows you to send in larger payments on the reduced balance when you are able to, thus paying off the debt sooner. This always results in a huge interest savings along with the substantial reduction in principal owed. Your new payment means lower cash out and significantly lower payments overall - than the total of all payments you were facing before. There is also an "end in sight." These consolidated payments typically run for 30 or 36 months.

Once you have paid off your debt - you are debt free and able to plan for a secure financial future.

Why do creditors reduce your bills by renegotiating your debt with us? Why are they willing to extend debt relief to you by settling for as little as 40% of the original amount owed?

First, understand that many times their loss is not that great. Creditors, and this includes banks and other commercial organizations, borrow from the Federal government at substantially lower rates than you are paying on your credit cards. Up until the point of your default, they have been making a good profit.

Also, most creditors have some type of "loan default" insurance that pays for a portion of the principal that they are unable to collect from you.

In addition, banks will sell CC debt (Credit Card) as insured bonds… so once again, any loss of principal is covered by the bond insurance carrier.

Finally, even after the creditor's loss is reduced by their insurance coverage, they will take the final write-off - and, as you know, this includes a host of late fees, exceeded credit limit fees and higher interest charges - and apply that loss against the profits they make on their current accounts.

So, when we agree to help you with your money problems by reducing bills through debt negotiation - your credit card debt help is converted to a minimal loss for the creditor. In many cases, the bottom line is that they simply did not end up making that much money from you.
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