• We work with you to eliminate your debts in the shortest amount of time with the least amount of money without filing bankruptcy.

• We determine a monthly savings plan that fits into your budget based on the total amount of your debt. You are in COMPLETE control of your finances - you set up your own savings account where you set funds aside for the purpose of settling your debts.

• When we negotiate a settlement that YOU agree to, YOU withdraw the funds and send the money directly to the creditor.

Unlike other programs, you are able to set aside as much as possible each month.