Debt settlement is a debt relief program where your creditors agree to accept less than you owe on your credit card debt in exchange for a one time lump sum payment.  This process is called negotiating unsecured debt, or simply:  debt settlement.

What we do is create a fresh start by setting up a new budget that you can afford, and we empower you with knowledge while we negotiate reduced payouts with your creditors. Once we finalize a settlement, the agreed upon amount is paid and you are totally debt free of your enrolled debt.

Our debt settlement plan can reduce credit card debt by 40-60% and get you on a fresh start in three years or less.  There are no credit checks, no requirements for a new loan or home ownership to qualify.

There are other debt relief options out there, like bankruptcy, consumer proposals or even debt consolidation loans; however did you know upon successful completion our solution to credit card debt is often faster, has a lower total cost and does less damage to your credit rating?  Call us at (866) 833-1992 today and learn more.

Total Debt Freedom has a simple service guarantee. We promise that upon graduation you will be debt free for considerably less than what you owed on the day you started our program, and that includes our fee. If we don’t, then you pay no fee.

We know that just having satisfied customers isn’t enough anymore, we want to make raving fans of our clients and employees. We are so committed that we have become the first company in history to create the executive role of a Chief Raving Fan Officer (CRFO).

Debt settlement is often a great alternative to filing for bankruptcy.  Bankruptcy is considered by banks and creditors to demonstrate complete failure in your ability to manage money.  Bankruptcy is so damaging to your credit it’s looked upon as a debt relief option that really only should ever be used for very deep and serious debt problems.

Bankruptcy, has another major disadvantage, even though you pay the trustee for the bankruptcy proceeding, they are actually a court appointed agent for the creditors, not you. It’s the same as paying a lawn care maintenance company to take care of your property and they cut, fertilize and manicure your neighbour’s grass, and practically ignore your lawn.

Our debt relief plan is simple, easy and affordable.  Debt settlement is ideally suited to help you avoid bankruptcy and get a clean start without completely ruining your credit rating.  Our programs are also very flexible so we can custom fit the plan to your ability to pay.

If you are having problems paying off your credit card debts, then you should contact us about a free quote and learn if you can qualify to avoid bankruptcy or not. If our program isn’t right for your money problems, we are always happy to point you to the best solution, even if it isn’t ours.

A debt consolidation loan can sometimes be a solution to credit card debt, but it is very different from our debt settlement plan. When you have money problems, getting a debt consolidation loan to pay off your credit card debts often requires a co-signer and/or putting up collateral like a house or car. With a consolidation loan you can end up paying considerably higher interest rates and in some cases these can sometimes approach 35%.

Debt consolidation loans will rarely create any form of debt relief at all, in most cases they aren’t affordable, practical and can put you much deeper in debt. Trying to borrow your way out of money problems is an old antiquated idea that just doesn’t work.

If you have talked to your bank about a loan to get debt help and been turned down, then call us today about a free debt settlement quote. Our approach to debt relief might be right for your credit card debt problems.

If you are serious about getting out of debt and want the best people by your side, then we invite you to take a few minutes to talk with our friendly and experienced debt consultants today. It’s free, completely confidential, there are no obligations and we won’t judge you.

During your phone consultation we will explain how our debt settlement plan works, answer all of your questions and help you understand the other debt relief options out there. You have absolutely nothing to lose but your debt. To get started please call toll free at
(866) 833-1992 or fill out our fast and easy online form to request your telephone consultation.