Debt Settlement Negotiation

Debt settlement negotiation is a process that involves negotiating with creditors to accept less than the full amount owed on a past due account. This consumer debt relief solution is effective for helping people to pay off unsecured debt and regain control of their finances. Achieve Security offers a program to help you settle your debts and the most competitive fees in the industry.

The debt settlement negotiation process begins with a free initial consultation with one of our Debt Consultants. Your consultant will discuss your financial situation and determine the best course of action in your case. We will work with you to design a personalized plan for negotiation and savings. Debt settlement is different from debt consolidation, where your bills are combined into one loan with larger monthly payments.

Debt settlement involves reducing your debt and creating a savings plan with monthly payments that are often lower than your minimum credit card payments. The savings account is controlled by you and funds are dispersed at your request to pay off settlements as agreements with your creditors are reached.

In most cases, creditors agree to debt settlement negotiation because they understand that the balance is unsecured and if you file bankruptcy, they will likely get no money. However, when an agreement is reached, you will need to have the funds to pay off the remaining balance. Although each situation is different, we are often able to negotiate settlements that are significantly lower than the full balance, saving our customers thousands.