(301) 875-9665

About Us

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We are made up of energetic, smart, and compassionate individuals who are passionate about helping thousands of Americans with debt relief. Most importantly we're all about helping our customers through a tough financial time in their lives with education and individual customer service. We are dedicated to helping individuals and families rid their lives of burdensome debt. We specialize in debt settlement and have negotiated settlements for thousands of creditor and collection accounts. We provide our clients with both our expertise and our proven results. This means helping consumers in their time of hardship to get out of debt with the least possible cost. It can also mean conducting financial consultations, educating the consumer and recommending the appropriate solution. Our core services offer debt settlement as an alternative to bankruptcy, credit counseling, and debt consolidation. We become your number one advocate to help you re-establish your financial stability as quickly as possible.

Why Choose Us?

We specialize in reducing the balances on credit card debts, medical bills, repossessions, certain business debts, and other unsecured obligations. We also work to ensure that your creditors don't harass you at your home or place of business. We'll talk more about what we do, and what we have done to become a leader by helping people in financial distress. We will help you take a closer look at the nature of debt and some common options for fighting it. Our ultimate goal is to be the number one advocate of the Americans when it comes to re-establishing financial stability in the least amount of time and resources possible.

Debt Relief Solutions

Before discussing anything else, we would like you to know that you have the option to fix everything yourself. Unfortunately success is not guaranteed as you have proven that you haven’t been able to manage your finances. But it could be worth a try. The good thing is that you will not be burdened with the additional costs of hiring someone to help you out. You will be able to concentrate all your funds on paying off your debts.
A second option is consumer credit counseling. There is any number of consumer credit counseling agencies available on the Internet or you may be able to find one locally. The best of these are nonprofits. When you contact one of these agencies either via a website or in person you will have a counselor that will spend from 45 minutes to an hour with you discussing your finances. The best of these agencies charge nothing for that service.
Another option is consolidating your debts into one manageable account. The main purpose of this is to eliminate the higher interest rate debts, arrive at lower monthly payments and allow you to concentrate on making just one payment. However, this does nothing to your total balance. What you will be doing is shifting all of your debts into just one account.
Settling your debts used to be a less than reputable practice but has recently gained prominence. It is basically where you hire a debt relief company to negotiate with the creditors on your behalf. The goal is to get them to agree to settlements where you make lump sum payments for a portion of your debts (this should much less than your total balances). In return the creditor agrees to forgive the rest of the debts.
If you are really unable to repay your debts because you have no source of income at the moment or if there is just no realistic way that you could repay them in two to three years the final option is to file for bankruptcy. However, this would tarnish your credit history very seriously. You will be unable to get new credit for at least two or three years after your bankruptcy and when you do it will come with a very high interest rate. You will be required to pay more for your auto insurance and may have a problem renting a house or apartment. The bankruptcy will stay in your credit reports for 10 years and in your personal file for the rest of your life. Many employers now routinely check the files of prospective employees and some may decide to not hire you if they see a bankruptcy in your history.
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