Do I Qualify?

Imagine if You Could Pay Less, Stop the Harassment, and Improve Your Credit

Take the First Step Towards Your Financial Freedom

We know debt can be scary. We know it reduces your quality of life. If you are drowning in debt, you are not alone! Most Americans carry debt. Our research shows us that most Americans carry an average of about $20,000 in credit card debt alone – excluding other debt like mortgages, car loans, student loans, and the like. Unfortunately, most of them tend to do too little to manage that debt until the situation becomes overwhelming.

Has Your Debt Become Overwhelming?

There are many debt relief strategies and options in the financial arena. Many of them offer generous promises that they cannot possibly uphold. Most of these strategies involve unhealthy options like debt consolidation loans, cash advances, or consumer credit counseling. Those options all have one thing in common – they do not reduce debt. They only put a temporary band aid on the problem, without offering a long-term solution. The only healthy debt relief option is debt settlement! The time is now to take the first step towards your financial freedom.

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How Does Debt Settlement Work?

Our knowledgeable staff negotiates with financial institutions all day long – it’s what we do, and we do it well. We know the tricks of the trade, the financial lingo, as well as the ins and outs of how to best reduce a client's overall debt. The first step in your debt settlement process starts when you apply to our program. Once accepted, we work with you to create an escrow account that you control. Once that account is funded, our team goes to work. They contact all of your lenders and start negotiating. This is when debt relief actually starts to happen. Let's say you have $8,000 debt with one lender. We may negotiate that debt down to a lump sum payment of approximately $3,800. Then, we will contact you, and instruct you to release that $3,800 from the escrow account. Following this, the debt is retired. One of the reasons why we are so successful in settling debt is because we typically settle in bulk, meaning that we approach your lenders with hundreds of millions of dollars’ worth of debt that our clients have outstanding with them at the moment. Because the stakes are much higher, the lenders are more than willing to settle in most cases.

Some lenders say yes to a favorable deal on the first try, and some do not. Such is the nature of negotiations. However, we never give up. In all of years negotiating debt settlements, we have found that “no” today will be a “yes” a month from now. We work hard for our clients, and we never give up. Our success rate speaks for itself. We don’t stop until your story is a success story.

Do You Qualify For Debt Settlement?

We are here to help walk you through the debt negotiation and settlement process. That said, it is important to know that this program is not for everyone, and while it applies to most debts, it does not apply to all.

First, to qualify for our program you must be able to afford small monthly payments into the escrow settlement fund mentioned above.  These savings will serve as leverage during the negotiation process for debt reduction to a more reasonable amount. (Note – These monthly payments are almost always significantly LOWER than what you pay right now to service those debts).

Second, the overall amount of your debt must be more than $8,000 and you must be late in your payments. These are important factors because the lenders will not negotiate a small amount of debt amount that has been paid recently. There is no incentive for them to accept a lower amount if there is evidence that they will get 100% of their money. If you do owe less and have made payments recently, the lender would rather just keep harassing you until you pay.

Third, you must be going through some kind of financial crisis. If, for example, your income or savings is shrinking due to a health issue, a change in employment, or a pending divorce, it enables us to present you as what's known as a “financial hardship.” Creditors are much more likely to negotiate a favorable debt settlement if they know that the likelihood of you being able to pay has been diminished. This may sound a bit harsh, but it is the reality of debt negotiations.  We want what’s best for you, and it's important that we represent you as best we can.


Complete the simple online form today for a free quote!

Debts That We Can Help You Settle:

Debts That We Can Help You Settle:

  • Major Credit Card Issuers (Visa, MasterCard, Diners Club, American Express, Discover, etc)
  • Major Department Stores (Macy’s, Marshalls, Target, etc)
  • Gas Credit Cards – (Exxon, Esso, Arco, etc.)
  • Bank Loans & Installment Loans
  • Unsecured Personal Loans
  • Deficiency Balances from Repossessions
  • Unsecured Business Debt – Merchant Cash Advances, Bank Loans, Corporate Credit Cards
  • Private Student Loans
  • Bank Related Fees – Any/All Overdraft or Late Fees
  • Old Cell Phone Bills
  • Non-Federal/Military Credit Union Debts
  • Animal Hospital/Veterinarian Debts – Must Be Over $500
  • Time Shares – abandoned only
  • Liens and Judgments – must be at least 6 months old
  • Late Rent – Must Not Reside In Property Where Monies Are Owed

Debts That We Cannot Help You Settle:

Unfortunately, we will not be able to help you reduce the following debt:

  • Child Support
  • Mortgage Loans
  • Car Loans
  • Back Taxes
  • Traffic Violations
  • Car Repair Bills
  • Insurance Policies

Invest in Your Financial Freedom

While some settlement companies take a percentage of what they save you, we believe it is more equitable to charge a flat fee of 15-25% of the overall debt. This way you know exactly what you are paying. Besides the fact that your monthly payment is less than your current payment, our fee is already included in your low monthly payment. Hence, you pay less and all fees associated with our services are completely included in your low monthly payment. More concretely, when we save someone in financial trouble who owes $10,000, and we negotiate the debt down to $5,000, we have saved them 50%, or $5,000. In that case our fee would be anywhere between $1500 and $2500. The bottom line is that engaging with us is an investment in your financial future and peace of mind. Not only will you be able to settle your debts for much less than what you owe, you will also be able to earn your own financial freedom. Take the first step and make the ultimate investment in yourself. Remove the debilitating stress that hangs over you and your family.

Not all debts are eligible for enrollment due to our underwriting guidelines. Clients who make all their monthly program payments pay approximately 42% of their enrolled debt balance before fees or 67% to 71% including fees, over a term of 1 to 60 months. Our service fee is approximately 20% to 25% of the enrolled debt amount enrolled. Not all clients complete our debt relief program for various reasons, including their ability to save sufficient funds while in our program. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of debt settlement. Please read and understand all program materials prior to enrollment, including potential adverse impact on credit rating. We look forward to assisting your shortly in settling your debts at Strategic Debt Relief 1711 Kings Highway, 2nd Floor, Brooklyn, NY 11229.