DEBT SETTLEMENT OPTION

A Debt Management Plan (Also known as: Debt Consolidation, Credit Counseling, and Credit Card Consolidation) is a more traditional debt repayment option. With a Debt Management Plan, you pay back 100% of your principal debt with a large reduction in interest rates. Interest is commonly reduced by about half or more of what you are currently paying. You become free of debt in as little as 3 to 5 years. In Debt Settlement, the total amount of principal debt that you owe can be reduced by approximately 40-60% of the original debt.

Contact Our Office or Submit an Online Request

Debt Settlement can provide many benefits to consumers who want to regain their financial footing and stability. Here are some of the benefits that clients enjoy through doing Debt Settlement with A+ Credit and Debt Help:

• Save thousands of dollars - Your creditors may reduce your outstanding balance(s) by as much as 50%, and lower balances means that you'll save even more in long-term interest and finance charges!


• Become free of debt faster - The experienced Debt Associate you work with will help you get results fast - an A+ Credit Associate will always keep you in the loop throughout the process.


• Reduce the Stress In Your Life - We know that you and your family are under an incredible amount of stress right now because of all of the debt that you owe. Working with your own personal Debt Associate throughout the process should help alleviate some of that stress. Knowing that an A+ Credit and Debt Help professional is on your team will bring you peace of mind. We are here to help!


• Help You Rebuild Your Credit - As part of our service, A+ Credit and Debt Help will help correct your credit reports to accurately reflect the payoff of your debt.
Contact Our Office or Submit an Online Request

We offer a FREE, no obligation consultation.

Contact Our Office or Submit an Online Request

An A+ Credit and Debt Help Debt Associate will contact your creditor(s) on your behalf to inquire about the possibility of settling your specific account(s). We will promptly notify you about the results of the creditor contact.

At this point, you will decide if you want to proceed toward settling with your creditor(s) or not.

Contact Our Office or Submit an Online Request

Most any type of unsecured debt can be settled. Following lists the debts that are most commonly settled.

• Delinquent consumer debt
• Delinquent credit card debt
• Slow or late payments
• Defaults
• Charge offs
• Collection accounts
• Accounts referred to attorneys
• Some old medical bills
• Old utility bills
• Deficiency balances
• Bank overdrafts (in collections)

Contact Our Office or Submit an Online Request

Prior to Debt Settlement, your accounts are already being reported as severely delinquent which has already lowered your credit score. Settled accounts and/or zero balances are seen as "positive" when compared to unresolved debts.

When considering Debt Settlement, make sure to compare the benefits against the drawbacks. For many, getting completely out of debt and getting life back to normal is well worth it!

Contact Our Office or Submit an Online Request

The amount of time that it takes to complete Debt Settlement depends on the following factors:

• How many accounts that you want to settle?
• How far behind in payments your accounts are?
• How long it takes your creditors to respond to an A+ Credit Debt Associate?
• How many contacts it takes for you and your creditors to agree on a settlement amount?
• How long it takes you to have the funds you have available to settle your debt?
• What your financial goals are?

Sometimes, Debt Settlements are reached and documented in as little as a few days.

Contact Our Office or Submit an Online Request

A. Contact us and we'll start TODAY!