Do you wanna know how to offer to settle your debt with a reduced lump sum payment?

If you have a large, outstanding debt that you cannot afford to pay, you may want to look into either debt relief or debt settlement as a good option to help you resolve your debts.

Debt relief or debt settlement negotiates down your debts on your behalf with your creditors so that way you can resolve your debts for less.

If you wanna offer to settle your debt with a reduced lump sum payment on your own, make sure that you’re saving enough money every single month.

Once you have enough funds saved up, simply reach out to your creditors either by mail or by phone and see if they’re willing to negotiate with you and accept your settlement offer.

If dealing with creditors is something that you don’t wanna deal with or you find intimidating, you simply can do your research on a good debt relief or debt settlement company to negotiate with your creditors to get your debt settled for less on your behalf.

If you would like more information about debt relief or debt settlement, visit us on our website at

How Debt Relief and Debt Settlement Work?

Debt Relief and Debt Settlement is a negotiated agreement by which a creditor accepts less than the total amount owed to legally satisfy a debt.

Settlement programs typically last 24-48 months and are highly dependent on factors such as delinquency, creditor policies, the number of accounts, and the total dollar amount of the debt.

Debt settlement services have existed in some form since the advent of debt itself.

The modern industry has seen significant growth in the 21st century, largely due to the easing of lending requirements by financial institutions.

In addition, today’s borrowers are taking on significantly more debt than their parents had at a similar stage in life and are subsequently paying off that debt at a slower rate.


These large debt loads and slower payoffs, coupled with today’s high-interest rates, mean that without intervention many borrowers could be paying off these loans for decades.

While there are a multitude of interwoven causes for these trends, industry experts point to increased access to larger amounts of credit coupled with a reduction in the social stigma of being in debt.

Debt Settlement Calculator | Alleviate Financial

Schedule Your Free Debt Analysis

Potential clients speak with a certified debt specialist regarding their financial situation.

The debt specialist evaluates the caller’s financial situation and suggests the optimal debt relief strategy.

Clients choosing to enroll in our debt relief program are then guided through the enrollment process.

Use Our Debt Settlement Calculator | Alleviate Financial

Enroll into Our Debt Relief Program

Signed enrollment documents are processed and the new client receives a call from our team of dedicated account managers to welcome them to the program.

Account managers are available 24/7 and remain in active communication with clients throughout the program.

Talk with Us About the Debt Settlement Calculator | Alleviate Financial

Negotiations & Settlement

Our talented negotiations team begins working on client accounts immediately.

When settlement offers are received they are first reviewed for accuracy and then presented to clients for approval.

This process repeats until all client accounts have been settled.

Debts Resolved!

Your debts will be resolved in a few short years or even months so you can have a new beginning financially.