If you do not have all the money needed to pay all of your debts at one time, we will work with them to set up a plan for them to save enough money to start negotiating with their creditors. You need to be honest with yourself and determine if you are going to be able to save money ove the next six months to allow us to try and negotiate some of your debts. If after an honest evaluation you realize that it you will not be able to save money then you need to consider bankruptcy as an option.

If you honestly believe that you will be able to save up enough money to allow us to negotiate with your creditors, then start saving today.

We will negotiate with each of your creditors as you save sufficient money to pay the estimated payoff. We usually request that you try to save at least 60% of the balance due, just in case the creditor is difficult. Additionally, with some creditors we are able to set up payment plans on negotiated payoffs. In these cases, you will be required to make monthly payments to your creditors and if you miss any of them the settlement will be lost and you will be back at square one.

Debt Negotiation can work, if you go into it with the right expectations and a mindset that you are going to work with us over the next 6 to 18 months to settle your debts.