Debt settlement is a process where a professional negotiates with your creditors to reduce the total amount you owe. Instead of paying your balances in full, you pay a negotiated lump-sum or structured settlement amount often…. for less than what you originally owed.
It’s a proven option for people struggling with credit card debt, personal loans, or medical bills who want to avoid bankruptcy and get a fresh start.
Talk with a vetted debt relief expert about your situation and goals.
Your personal debt specialist builds a strategy to contact creditors and begin negotiations.
The expert works directly with creditors to reduce your balances
Once settlements are paid, your accounts are marked “resolved,” helping you rebuild credit and achieve financial freedom.
We have spent time curating only top-rated, licensed debt experts.
You only pay when results are achieved. No exceptions.
Every consultation is private, and we ensure your debt specialist will listen to you and treat you with respect. We are on your side.
Thousands of Americans have reduced their debt through our trusted network.
it is common for your credit score to decrease during the debt settlement process. The main objective is eliminating your debt, and after that you can work on rebuilding your credit score.
(The length of the debt settlement process depends on how much debt you have, your budget for monthly payments, and how quickly your creditors agree to settle. Most programs last between 24 and 48 months (2 to 4 years). Some settlements can happen much sooner — even within the first few months — especially if you can save money quickly or if creditors are eager to settle. Each account is settled individually, so you’ll often see progress as you go, not just at the end.)deficiency balances).
(Debt settlement aims to reduce the total amount you owe by negotiating with creditors for a lower payoff. Debt consolidation combines multiple debts into one new loan or payment, often with a lower interest rate but you still repay the full amount owed.)
(Debt settlement is designed for unsecured debts — meaning debts that aren’t tied to property or collateral. These are the types of debts that can usually be negotiated for less than what you owe: Credit card balances, medical bills, personal loans, store credit cards, collections and charge-offs, certain private student loans, repossessed auto balances (deficiency balances).
No. Reputable debt settlement programs, including those through FixYourDebtNow.com, charge no upfront fees. You only pay once your negotiated settlements are successfully completed. There are no hidden costs you only pay for real results.)
FixYourDebtNow.com is not a lender, law firm, or debt settlement provider. We do not offer financial or legal advice. We connect consumers with third-party debt relief companies. Debt settlement is not guaranteed. Results vary by individual. Participation may impact credit scores, involve fees, and have tax consequences. Not all consumers qualify.
