What is debt settlement?

Debt settlement is a negotiation process that ensures you’ll pay less than the full amount of your debt, with a one-time, lump sum, payment. Most creditors are willing to do this with unsecured loans because they’d rather get back some of the money owed instead of none. If you’re having  trouble paying back your loan we can work with creditors on your behalf and create a debt settlement that works for you.

How does it work?

If debt settlement is the best option for you, you’ll be assigned one of our dedicated debt settlement professionals. They’ll work with you, so you’re comfortable every step of the way. You’ll likely be advised to stop making interest or principal payments to your creditors and instead instruct them to contact your debt settlement agent. From there we’ll start the negotiation process.

What you need to qualify:

  • The ability to make a lump sum payment
  • More than $10,000 in unsecured consumer debt
  • Demonstrated financial hardship in repaying your debt


  • You’ll pay back less than what you owe
  • It’s good for people who already have a low credit score
  • The average fees for debt settlement range from $2,000 to $5,000

Whether debt settlement is the right option for you or not, we can help reduce your debt payments and get you out of debt as quickly as possible. Call us at 1-877-220-3328 or get started online for a free financial analysis.

Disclaimer: We are not lawyers, trustees in bankruptcy, nor do we provide legal advice. Should you require legal advice we recommend you contact a lawyer in your area.

Find Out If You Qualify

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