For debt settlement to be a viable option the account to be settled must be past due. Creditors are not interested in agreeing to take less than what is owed to them when an account is current and being paid timely or even just one or two months late. Further, when determining if debt settlement is appropriate our office will consider factors such as: overall budget, collect ability, risk tolerance, amount of debt owed. Our trained staff understands the ins-and-outs of debt settlement and will provide you personalized attention throughout the process. To schedule a free phone or office consultation,click here.