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When it comes to Debt Consolidation or Debt Relief there are typically three effective relief options:

Also commonly called Debt Negotiation or Debt Arbitration.

Objective: To settle and resolve your debts for as low a percentage on the dollar as possible.

Pros:	Cons:
The monthly set-aside amount may be much more affordable.	You might have to experience normal creditor collection activity with delinquency. No company will have the legal authority to prevent all creditor calls.
An alternative to bankruptcy, which is more difficult with bankruptcy reform in place.	Creditors may refuse to settle debts. Every situation is different and no company can guarantee that all creditors will agree to negotiate and/or settle.
Simplifies things by giving one simple payment each month, and a timeline to have your bills paid off.	If you do not make required minimum payments to your creditor you may be breaking the terms of your agreement with them and your actions will probably be reported to consumer reporting agencies as late, delinquent, charged-off or past due balances. Also, persons participating in a debt settlement program run the risk of being sued for non payment.
Affords you professional representation during a critical financial period in your life. (Not legal advice or representation)

Settlement may be right for you if…

You are current, but dependent on your credit cards to help offset your monthly household expenses so you can remain current with your cards, and have no accessible equity or assets to help manage the situation.
You have just fell behind and can no longer afford to pay a regular monthly payment to your creditors, similar to when you were current.
You are behind to the point that you are now dealing with a third party collection agency, or law firm.

Debt Settlement - A Simple 2 Step Process:
Fill out the following form as completely as possible. ( indicates required field.)*
Step 1: Enter your Contact Information
*First Name:
*Last Name:
*Phone:
*Email:
Address:
*City:
*Zip:
Best Time To Contact:
Step 2: Enter your Debt Information:
Credit Rating:
*Unsecured Debt Amount:
Secured Debt Amount:
*Employed:	Yes No
*Have you filed for Bankruptcy in the last 7 years?	Yes No
*Are you current or behind in your debt payments?