Frequently Asked Questions

• Which debts are most likely to be settled for less than payment-in-full?
  Most unsecured debts can be settled. An unsecured debt is a debt where there is no collateral. Unsecured debts include medical bills, credit cards, department store cards, personal loans, … more
• What’s the difference between loan modification and debt settlement?
  Debt settlement typically involves working with a professional debt settlement company to negotiate with the creditors to whom you owe debts. Your creditor may, for example, accept a one-time … more

Legal Articles

• How to Find a Reputable Credit Counseling Agency
  Not all credit counseling agencies are the same. Some credit counseling agencies provide very useful information for their clients that can help people manage their debts. However, there are also some unethical businesses that claim to be credit counseling agencies that actually do their customers more harm than good. Therefore, it is important for people who are looking for a reputable … more
• Debt Consolidation: Too Good to Be True?
  If you are overwhelmed with debt then debt consolidation might seem like a good idea and, in some cases, it is a good idea. However, in order to make sure that your money is protected and that you make an advantageous financial decision it is important to be aware of the potential problems created by some debt consolidation companies.   What is Debt Consolidation?   Simply put, … more

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