At Settle Your Debts, we provide structured debt resolution services designed to help individuals struggling with unsecured debt explore options for reducing and resolving what they owe.
Overview of Services
Our primary service is debt resolution. This approach focuses on negotiating with creditors to resolve eligible unsecured debts for less than the full balance owed. Our services are intended for individuals experiencing financial hardship who are unable to maintain minimum monthly payments.
Debt Resolution Program
Our debt resolution program is designed to provide a clear and organized path toward resolving unsecured debt.
Negotiation With Creditors
We work with creditors to seek potential settlement agreements based on individual circumstances and available funds. Creditor participation and settlement terms vary.
Reduced Payoff Amounts
Through negotiation, some debts may be resolved for less than the original balance. Settlement amounts are not guaranteed and depend on many factors.
Monthly Program Payments
Clients typically make monthly program payments that are used to build funds for potential settlements and program-related services.
How Our Services Work
- Review your financial situation and enrolled debts
- Determine eligibility for debt resolution
- Negotiate with participating creditors
- Review and approve settlement offers
- Complete settlements according to agreed terms
Each step is handled with transparency and client approval.
Types of Debt We Handle
Our services are designed for unsecured debt, including:
- Credit card balances
- Medical bills
- Personal loans
- Collection and charged-off accounts
Secured debts such as mortgages, auto loans, and student loans are not eligible.
What We Don’t Do
To ensure clarity and transparency:
- We do not offer payday loans or cash advances
- We do not provide credit repair services
- We do not guarantee specific settlement amounts or timelines
- We do not provide legal advice
Eligibility Requirements
Debt resolution may be appropriate if you meet certain criteria, including:
- A minimum amount of qualifying unsecured debt
- Demonstrated financial hardship
- Difficulty maintaining minimum monthly payments
Eligibility is determined through a confidential evaluation.
Fees Overview
Fees vary based on the amount of debt enrolled and services provided. All fees are clearly disclosed before enrollment, and no services begin without client approval.
Check If You Qualify
If you’re struggling with unsecured debt and want to explore your options, a free evaluation can help determine whether debt resolution is right for you.