First Name:

Last Name:

Company Name:

Phone:

Email:

How many sales people does your company have?

1-5 6-20 21+

How many clients a month does your company produce?

1-10 11-50 51+

Q: Who is the debt negotiation program for?

A: The program is designed for anyone in financial hardship who is falling behind or having problems making minimum payments to creditors on their unsecured debts. You must have a minimum of $10,000 in total unsecured debt and a minimum of $500 of unsecured debt with each individual creditor.

>Q: How do you reduce my debts?

A: Our debt negotiators are trained to negotiate and work with your creditors or collectors on your behalf. While results do vary, most creditors will settle with us and you will only pay a portion of your principle balance. This occurs through a series of negotiations in which we discuss your hardship situation and your ability to pay a certain amount. All negotiation agreements are approved by you before they are finalized.

>Q: How long does the debt negotiation program take to complete?

A: The average time it takes for each client is usually between 18 - 36 months, however, it really depends on your ability to save the funds.

>Q: How does debt negotiation affect my credit rating?

A: Debt negotiation will have a negative impact on your credit. This program is for people who are in hardship and cannot pay their debts, therefore, your credit has probably already taken somewhat of a hit. When the settlement is complete, we will send to you the settlement document that you will then send to the credit reporting bureaus showing that it is "settled and paid with a 0 balance." When you have completed the program and all your debt is paid in full, you can begin to focus on re-establishing your credit.

>Q: Do I have to include all of my debts in the program?

A: You will be able to select which accounts you would like us to negotiate for you. This will be discussed during your free consultation with one of our sales offices.

>Q: Do all of my debts qualify for the program?

A: The program is designed for unsecured debts. These include credit cards, personal loans, department store cards, medical bills, gas cards, past due utility bills, cash call loans, furniture loans, jewelry loans, auto loans (only if it's a repo), etc. The program will not work for home loans, equity loans, education loans, government loans, income tax payments, secured loans, etc.

>Q: What happens when a negotiation is reached?

A: Once a negotiation with one of your creditors has been reached and savings funds are confirmed, we will email, fax or mail over to you the exact settlement amount for your approval. It is solely your choice to decide whether or not to accept the negotiated agreement. If approved, the papers will be signed and we will continue with the settlement process. The process will continue until all of your accounts are settled.

>Q: Can you guarantee that you will settle all of my debts?

A: No! Individual results do vary and are dependent on successful completion of the program and the ability to save funds. There is no guarantee that we will settle all of your debts or that a creditor will negotiate with us.

>Q: Can I negotiate my debts on my own?

A: Absolutely, negotiating your own debts can be done. Keep in mind though that Creditors are well trained in dealing with thousands of people in various degrees of financial difficulty. The process can also be very stressful, emotionally draining and time consuming. By allowing us to act th your creditors. Our certified debt negotiators have professional training and proven success on your behalf, you will not have to deal with the stress of attempting to negotiate directly wi with creditors and collectors.

>Q: Do I have any tax ramifications for the amount of debt settled?

A: Creditors are required to report canceled debts exceeding $600 to the IRS and you are supposed to report the same as income on your annual tax return. However, the IRS permits you to write off any "income" from canceled debts up to the amount by which you were "insolvent" at the time. You should always consult with your own tax advisor regarding any tax ramifications.

>Q: Is it possible I get sued in a debt settlement program?

A: Yes, a credit card company has the right to file suit to collect the debt amount. This is usually a last resort for credit card companies after they have exhausted every collection method possible. In most cases, a settlement is reached at this point, whether it is lump sum or an installment plan. Most creditors would rather work out a settlement than go through the litigation process.

>Q: Can you stop creditor calls?

A: No! We are being hired to negotiate your debt. We are not in the business of stopping calls, However, we are pretty successful in assisting you with slowing down some calls. Collectors must follow FDCPA guidelines, which prevents them from harassing you and limits them to how many times they can call you and where they can call you.

>Q: Will interest and late charges continue to accrue on my debts while I am on the program?

A: Most creditors will continue to charge late fees and interest until the account is paid. However, when our debt negotiators work out a settlement offer, we attempt to negotiate the estimated savings from the original principal amount owed, not from the amount after fees and interest.

>Q: Do you repair my credit?

A: No! Our job is to negotiate your debt with your creditors. No company can remove legitimate negative items from your credit report. Once the program is completed, if completed successfully, your credit score should improve little by little, provided you stay current with other items on your credit.

>Q: Can creditors garnish my wages?

A. YES. However, they would have to first get a judgment against you, which can be a lengthy process. Then they would have to file for garnishment. Our negotiators are always attempting to settle and avoid such an action.