Debt Consolidation Program

A debt consolidation program is designed to combine your various credit cards and other unsecured debt into one monthly payment. Debt settlement companies work a little differently. Achieve Security is a debt settlement company with years of experience and a professional staff that is skilled at designing personalized plans for our clients and negotiating settlements with creditors.

Another danger of a debt consolidation program is loans that are tied to collateral, such as home equity loans or secured personal loans. If you are unable to make the payments, you put your home or other property in jeopardy, as it can be repossessed by the creditor. Unsecured debt is not secured by collateral, which makes the credit companies more open to negotiation and that is where we can help.

We pledge to begin negotiating with creditors as soon as possible. We do this in order to achieve more favorable results for our clients. Companies are often willing to negotiate for a settlement on past due accounts because they figure getting a percentage of the balance is better than nothing, as would happen if the client were to file for bankruptcy.

Only unsecured debt can be included in a debt settlement program. This would include major credit cards, department store credit cards, unsecured personal loans and medical bills. Mortgages, car loans and other loans that are secured with collateral can’t be included in our settlement program. To learn more about our services and how they can help you get rid of debt; contact us for a free initial consultation.