Debt Settlement

Debt Settlement is when I actually fight with your creditors to reduce the amount of money you have to pay. Though past performance is no guarantee of future performance, I have gotten clients out of debt for less than 50% of what they owed.  This is usually the best option for people who don’t qualify for bankruptcy because they have too much money or too many assets that they want to keep. I have 15 years of experience doing negotiation.  If we go this route, I will get you optimal results.

Debt Negotiation

Debt or Payment Negotiation involves negotiating your payment arrangement with your creditor. Sometimes, when a creditor will not listen to you, the creditor WILL listen to me. I might be able to get you lower payments or lower interest. This is particularly useful for people who have mortgages they can not afford. 

Debt Counseling/Planning/Coaching

Sometimes a client comes to me for a bankruptcy and though I probably COULD get him or her a bankruptcy, I don’t think it is the best option. This could be because the debt is too low, or because the client’s problem is not a lack of resources as much as a lack of organization. If you are such a client, I will never recommend bankruptcy if you don’t really NEED it.  Instead, I will help you organize your bills and payments so that you can have peace of mind without bankruptcy.