So, how do you settle credit card debt?

Step One, Know how much debt you have and to who?

It’s important to know how much debt you have and who you owe it to, as well as, the interest rates, otherwise, it will be difficult to negotiate with your creditors.

Step Two, Save.

Before you start negotiating with your creditors, make sure you have enough saved up in a savings account, otherwise, you may run the risk of your creditors not accepting your settlement offer.

Step Three, Negotiate with your creditors.

Once you have enough funds saved up, just call up your creditors and have a conversation, explain to them that you’re in financial hardship and see if they will accept your settlement offer.

Calling my creditor now, “Hello, is this my creditor?”  “It’s great to meet you, I’m Ryan”

“Well, I do have a little bit of funds saved up, I’d like to offer a negotiation to see if I can settle my creditor accounts”

“How does this sound? Okay, great.” If they accept your offer, then great.

If they don’t, try to see what makes sense for you and them so that way you guys can come to an agreement on what settlement offer makes sense.

Once they accept your settlement offer, it’s important to get your settlement offer in writing.

Step Four, Make your payments on time.

Once your creditors accept your settlement offer, it’s important to make sure that you make your payments on time.

If you fail to make your settlement payment, then they may put your settlement offer in jeopardy.

The good news is, once you fully pay all your settlement offer, you have officially resolved your debt.

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.

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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.

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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.

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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.