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An unsecured debt is a debt that does not attach to property. Unsecured debt includes credit cards, personal loans, store cards, collection accounts, old utility bills, IRS and state taxes, and many other creditors.

A Debt Settlement Program is when you settle the balance owed to the creditors by offering a percentage of the debt as payment to pay off the account. There is no saving these accounts. Due to the delinquency of the payments, the creditors are now looking for payment in full. A settlement program is designed to get you out of debt by settling with your creditors up to 60%. Our negotiators will settle out the debt by creating a payment you can afford. As each one is settled it will appear on your credit report as settled/paid in full. Once this is done, it is advised that we put you into a restoration program to remove the negatives from your credit report.

In Debt Consolidation, the accounts are still with the original creditors, who will reduce or eliminate interest rates, so that your payment will actually attack the principle. Your payments will go directly to your creditors each month, and most accounts will re-age after three payments, improving your credit over time.

In Debt Settlement, your monthly payments do not go directly to the creditors. You should only go into a settlement program if you are seriously behind or with collection agencies and attorneys who are demanding payment in full.