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Unsecured Debt

What is Debt Settlement?

Debt settlement is a process that allows you to settle your debt for a fraction of the original balance. Debt settlement is a great option for individuals and families who are currently suffering from a financial hardship, such as a job loss, reduced income, medical bills or divorce. This debt relief program places you with seasoned debt negotiators who have the ability to settle your debt for you for less than you currently owe.

Is Debt Settlement Right for Me?

Are you struggling with overwhelming credit card debt? Do you find it harder and harder to pay your monthly minimums? If so, then debt settlement is the fastest and cheapest way out of debt. It is easy to qualify for debt settlement. You need to owe at least $10,000 in unsecured debt but with this debt relief program, you do not need to take out a loan, pass a credit check or be a homeowner. If you would like to eliminate your debt through a debt settlement program, please fill out the form above and you will be contacted shortly by a debt settlement company that will assist you.

Which Debt Solution Is Right For Me?

When evaluating options for debt reduction, one must carefully consider all of the benefits and consequences associated with each potential course action.

Debt Consolidation

One of the most popular ways out of debt is via a debt consolidation loan. However this is a course of action that may actual get one further into debt rather than debt free. If you do decide to use debt consolidation to address your debts there are some things you should know.

How Will Debt Consolidation Affect Me?

Debt consolidation is simply the transferring of debt from several loans to one new loan. The new loan will have one interest rate which will either be fixed or variable and the loan itself may be secured by your home, car or other collateral. While often times the interest rate of the new loan may be lower, consolidation loans are often stretched over extended periods of time which mean that you ultimately end up paying more in interest payments – even though the interest rate is lower. As an example, let’s say you had debt with several creditors that cost you a total of $400.00 a month and would take ten years to pay off. If you choose debt consolidated, then those several creditors become one and your monthly payment goes down to $300.00 a month but takes fifteen years to pay off.

Due to the extended payment period, the debt grows substantially through debt consolidation. Many consumers simply focus on the reduced monthly and fail to consider the long-term implications of their decision. It is very important that you consider the total long term interest that you will pay with a consolidation loans. Debt consolidation loans can often result in unforeseen consequences and an increase of overall debt by up to 50%.


Those who choose to start over and get rid of debt without paying are faced with the prospect of declaring bankruptcy. Declaring bankruptcy will absolve you of all your debt but it comes at a heavy price. Filing bankruptcy should not be taken lightly. When declaring bankruptcy the court will seize any assets and/or possessions of yours it deems unnecessary with regard to your ability to live and/or work. Any luxuries such as nice automobiles or other unnecessary possessions may be sold in order to pay your debts.

How Will Filing For Bankruptcy Affect Me?

Bankruptcy destroys your personal credit for years after you complete the legal process, making your ability to purchase anything on credit nearly impossible. The consequences do not end there though and often times you will find that you’re unable to rent an apartment and buying a house is completely out of the question. You will have to find a new way to live your life until your credit is restored and you should have a plan in place to accommodate your new lifestyle.

What is a Consumer Proposal? Will I qualify?

One alternative for debt relief is the consumer proposal that allows you to negotiate the amount of debt you owe while decreasing your monthly payment. A licensed Trustee will approach your creditors with a proposal requesting that your creditors lower your debt in an effort to make it easier for you to repay. A fixed monthly payment will also be established for you to pay down the debt. Typically these payments are structured to pay off between 10-90% of your debt over a three to five year period. In order to qualify for this course of action you must have a minimum unsecured debt of $5,000.00 or a maximum unsecured debt of $250,000.00. Additionally, you are required to prove insolvency and you cannot miss a payment. You will be required to include all of your unsecured debt in the proposal.

Credit Counseling

Credit counseling is another option available to those who are looking to leave their debt behind without climbing farther in or increasing their monthly payments. Credit counseling allows you to sit down with a financial professional to evaluate your debts. The financial professional will work to reduce your interest rates which results in a more manageable monthly payment. However, consumers often find that credit counseling does not offer a significant enough reduction in their monthly payments to be a viable debt relief option.

Debt Settlement – The Alternative to Consumer Proposals, Bankruptcy and Debt Consolidation

There is no size fits all solution for debt relief help. However, increasingly debt settlement is becoming a popular alternative to bankruptcy, debt consolidation and consumer proposals. With debt settlement a third party will go through a budget with you and determine a lower monthly payment that is affordable. The company will then use the funds that you save each month to negotiate with your creditors. The negotiation company will seek to restructure your debts so that you pay back only a fraction of what you owe. Often times this amount is comparable to what is reached via consumer proposal and will enable you to lower your monthly expenses. Using debt settlement as a debt relief option allows you to avoid the stigma of bankruptcy, offers more flexibility than a consumer proposal and eliminates thousands of dollars in potential interest charges you would otherwise pay via credit counseling or debt consolidation.