Debt is a growing problem in the current economic environment. During the housing boom and economic upswing a few years ago it was increasingly easy to qualify for mortgages, credit cards, and car loans. Falling housing values, rising mortgage payments, and the economic downturn have forced many Americans to rely on unsecured lines of credit for sustainability and have left many feeling burdened by high interest rates. Reliance on unsecured credit is causing an increased number of people defaulting on loans and filing bankruptcy.

Fortunately there are alternatives that many find more attractive than simply making the minimum payments or filing bankruptcy. Debt Settlement One programs can negotiate a settlement for a fraction of the amount owed. Settling unsecured credit card debt often frees up much needed funds that helps our clients regain control of their lives.

Debt Settlement Eligibility

Not everyone is eligible for a debt settlement program. Please take a moment to complete our eligibility form and you soon could be on your way to having more financial freedom.

Unsecured Debts

Our settlement programs can only negotiate settlements of unsecured debts. Unsecured debts include, but are not limited to, credit cards, unsubsidized student loans, and medical bills. Unsecured debts do not include mortgages, car loans, payday loans, or federally subsidized student loans. For a complete list of eligible debts please call our Debt Counselors at 866-245-3073.

The First Steps in Our Debt Settlement Program

Once you have completed our eligibility form you will be contacted by a Debt Counselor to discuss our settlement programs. Our Debt Counselors will review your current financial statements and based on your level of debt recommend a program that will best suit your need.

Dealing with Collectors

Calls from debt collectors can create added stress and become burdensome. Although Debt Settlement One cannot guarantee that collection calls will cease, we do enroll our clients in a consumer advocacy network (UCAN), at no cost to the client. UCAN works with our clients to help by providing education on the Fair Debt Collection Practices Act (FDCPA).

Using Home Equity To Speed Up The Repayment Process

One of the most beneficial ways to embark upon our Debt Settlement Program is through the use of a home equity loan or through refinancing your mortgage. We negotiate payments with your creditors, but by using the finances raised through a refinance or home equity loan it is usually possible to repay the total amount owed in an even shorter period of time.

Your Credit Rating

Carrying a large balance, making minimum payments, falling behind on payments, defaulting, and filing bankruptcy all have adverse effects on credit ratings. Enrolling in a debt settlement program may have a short-term negative impact on your credit rating depending on your credit history; however, if you have fallen behind on payments our programs will likely have a positive long-term impact on your credit.

What Is This Going To Cost?

Negotiating a settlement is a complicated process that is handled by debt settlement specialists and requires a steadfast resolve.  If you qualify, our negotiators can settle your debt for a fraction of what the total cost would be under the creditor’s payment structure.  We can typically reduce the percentage of what you are required to pay from 100% of the current amount you owe to fraction of the original balance**.  For more information please call our Debt Counselors at 866-245-3073.

**Individual results may vary and are based on the ability to save funds and successful completion of the program terms.  Debt Settlement program does not assume or pay any consumer debts, and does not provide tax or legal advice.  Program not available in all states.  Read and understand all contract terms prior to enrollment.

Determine Your Eligibility Today

If you find yourself behind on payments, struggling to make the minimum payments, or considering bankruptcy - Debt Settlement One can help.  Our knowledgeable Debt Counselors will review your financial standing with you, explain how Debt Settlement One can settle your debt for a fraction of the amount owed in a significantly shorter period of time, and offer you advice on the program that will work best.  Get started today by filling out the eligibility form or calling our Debt Counselors at 866-245-3073.