DEBT SETTLEMENT
Settle Your Debt for Less Than You Owe
America Debt Resolutions helps individuals struggling with unsecured debt reduce what they owe through structured settlement negotiations with creditors.
Our goal is to create a realistic path toward debt resolution while helping you regain financial stability.
No fees are charged upfront. You only pay after a debt has been successfully negotiated and settled.
How Debt Settlement Works:
- Feeling overwhelmed by debt balances that don’t seem to go down despite consistent payments?
- Struggling to keep up with multiple due dates, or feeling stressed about bills and creditor communications?
When this becomes your reality, it helps to understand what debt settlement is and how it works.
1. How Debt Settlement Has Evolved
In the early days, debt settlement was primarily used by wealthy individuals who worked with accountants or financial advisors to manage their debts strategically. However, today, debt settlement is accessible to a much broader range of consumers.
In this context, America Debt Resolutions works on your behalf by having trained debt negotiation professionals communicate with your creditors once your accounts begin showing signs of financial hardship.
2. How Professional Negotiation Works:
When creditors recognize that you are experiencing financial hardship and working with a professional team, negotiations can begin. At that point, our negotiators take into account creditor policies, timelines, and behavior patterns to pursue settlement opportunities.
Additionally, because negotiating debt is their primary focus, these professionals use experience, strategy, and historical data to pursue outcomes that may be difficult to achieve on your own. Unlike consumers, they are not emotionally attached to your debt and are trained to navigate creditor negotiations effectively.
Free Consultation
We review your debt, financial situation, and goals to determine whether debt settlement may be a good fit.
Personalized Strategy
Our team develops a customized plan designed around your unique circumstances.
Creditor Negotiations
We work with eligible creditors to negotiate reduced settlement amounts on your behalf.
Resolve Your Debt for Less
Once agreements are reached, you complete the settlement process according to the negotiated terms.
What to Expect
In many cases, creditors agree to have the borrower pay for only a percentage of their original balance, with the remaining amount forgiven upon successful settlement. As a result, debt settlement can negatively impact your credit score in the short term. However, it is often considered an alternative to bankruptcy, and the impact on credit is typically temporary.