What is Debt Settlement and how does it differ from Debt Management (also referred as Credit Counseling or a Debt Consolidation Program)?

A. Debt Settlement is when your creditors agree to accept an amount less than the full balance due. In simple terms, it means your creditors will take less than is owed to consider the debt paid off.

Each month, you will set aside a certain amount of money based on what is affordable to you. Through our Debt Settlement program, we negotiate with your creditors to achieve settlements that are paid either in one lump sum or in installments over time. The actual terms will be dependent on the creditor, the status of the debt, other settlements in play at the time of the settlement, as well as other criteria.

It is quite possible to become debt free in 2 to 3 years and pay back 50 or 60% of the original amount due, including fees. With a Debt Management/CCCS/Credit Counseling program, you would pay 100% of the balance due plus interest. In most cases, the payments and interest will be reduced.

Unlike with Debt Settlement, payments are paid to the creditors each month. After fees, you can ... more.

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