Debt Negotiation is designed to reduce debt amounts by 40-60% for persons who are no longer current on the monthly payments of unsecured debts.  We then consolidate those debts and set up payment arrangements to have those debts PAID OFF within 24-36 months.Must have a minimum of $8,000 in unsecured debtsEach account must have a minimum balance of $500

Debt Management is designed to lower and/or eliminate interest rates so that most of the payment is applied directly to the principal.  Debt Management assists persons who are current on monthly payments, yet still find it challenging to pay.  Must be current on PaymentsEach account must have a minimum balance of $100.Debts must be unsecured

Debt Settlement is designed to eliminate unsecured debts in one payment for persons who can make a lump sum settlement payment of 60% of the total balance owed.  (Example: If client owes $20,000 then $12,000, which is 60%, would be the settlement amount.Must owe minimum of $8,000 in total unsecured debtEach account must have a minimum balance of $500Lump sum payment is due immediately so that balances are not changed due to time

Student Loan Consolidation is designed to consolidate student loans at 4% interest.  Must have a minimum of 2 loansEach loan must be a minimum of $7,500Loans must be current (no defaults)