Debt Settlement

If your credit cards bills cannot be paid down within an acceptable time frame or you are unable to make your minimum payments then a debt settlement plan might be for you. Debt settlement will reduce your monthly payment and we will settle with your creditors with the funds you have built up in your escrow account.

--This will negatively impact your credit but not as bad and as long as bankruptcy.
--The debt settlement payment may be less then the state appointed BK payment.
--You can miss payments and pull money back if needed, unlike BK.
--You can avoid the stigma related to filling bankruptcy.