Question:  Who qualifies for debt settlement?

Answer:  This program is designed for anyone seeking to eliminate debt. We have proven solutions for consumers.  You will learn about the debt settlement industry, the practices, forms and tactics so that you can make decisions that best fit your situation.

Question:  Will debt settlement have a negative effect on my credit?

Answer:  Yes.  Any Debt Reduction Program will have a negative affect. This program provides you with a solution on how to get Debt Free, plan for a life after debt. Many consumers have better scores after Debt Settlement, others build their scores back in as little as 12 – 18 months and we will help you do just that.

Question:  Will my creditors stop calling?

Answer:  No. Your creditors have the right to contact you directly. You will learn how to limit many of these calls and how to put the law to work for you. You have rights, too.

Question:  Are there legal concerns with debt settlement?

Answer:  Yes. Lawsuits, judgments, wage garnishments are all possible. You will learn how to defend yourself. What the law requires from creditors and how you can put the law to work for you.

Question:  Should I consider Bankruptcy?

Answer:Bankruptcy should be something you discuss with an attorney licensed in your State and reviewed.  However, we recommend that all consumers read up on the Bankruptcy Laws.

Question:  What is Debt Consolidation?

Answer:  Debt Consolidation is a loan. In most cases taking an unsecured debt and making it secure.

Question:  What is Consumer Credit Counseling (CCC) or Debt Management Program (DMP)?

Answer:  Consumer Credit Counseling (CCC) is one of the options available to consumers. This can be a good solution but in most cases a consumer can set this up with their credit card companies directly.  This is a way for Credit Card Companies to collect 100% of the debt plus interest and an additional fee paid to the “non-profit” company on a monthly basis.

Question:  How does the Debt Settlement work?

Answer:  The purpose of debt settlement is to reduce the overall amount of the debt, usually between 30% – 70% of the total. 

Question:  What happens when I stop paying my Credit Cards?

Answer:  They will aggressively try to collect on the debt. Your credit rating will suffer in the short term. You will need this program to help build a strong plan to aggressively settle your debt for less than you owe.

Question: How will doing my own Divorce benefit me?

Answer: Not only will this process save you thousands of dollars but it will allow you to be the judge of your future.  In some cases you may want to get a mediator involved when you come to an impasse with you’re soon to be ex-spouse, but again this can be on a limited bases.

Question: What is a parenting plan?

Answer:  This is when both parents evaluate their children’s needs so they can best fit a schedule for the future family dynamic.  Don’t leave this up to a Guardian Ad Litem or the Judge because you may not like the outcome and this will be difficult to change after the judge stamps it.

Question:How much will a Divorce cost?

Answer:If you use attorneys anywhere from $4000.00 and up.  But if you Do-It-Yourself, between $300.00 to a $1000.00 depending on whether you use a mediator for some of the difficult areas.

Question: What is a Mediator?

Answer:  A mediator is a neutral 3rd party who has no gain on your outcome.  They are only there to facilitate an amicable division of the assets and parenting time.  This helps keep your families hard earned money in the family’s pocket.  They are a sounding board and someone who hears your point and will be able to voice it back without hostility so the 2 parties can see the big picture.  They are not there for Judgment.

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