Several debt programs are created around the practice of debt settlement. Debt settlement company's are third-party institutions that work on behalf of their clients to negotiate out-of-court settlements for old bills, invoices, lawsuits, liens, medical bills, utility bills, judgements, and other types of significant debt. Typically, debt settlement programs are in lieu of credit counseling as a way to avoid bankruptcy.

The major difference between our debt programs and credit counseling is the fact that the program works independently on behalf of our clients, while credit counselors work on behalf of credit card companies by setting up whats referred to as a debt management program. During the debt negotiation process, our debt settlement consultants negotiate a lump sum settlement for amounts owed to credit card companies - typically, at a significant discount to the actual amount owed. Clients then make more affordable payments to our debt settlement company to pay off the remaining balance.