Debt Negotiation Services by US Financial Management, Inc.

Take Control of Your Financial Future

Debt negotiation allows the debtor to control the process. This allows the debtor to decide how much they can pay and how long it will take him or her.

Frequently Asked Questions

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Q1. Will the Debt Negotiation Services program stop all creditor calls? Q2. Is it possible for creditors to garnish my wages? Q3. Is this legal and ethical? Q4. How much money should I dedicate to the program? Q5. Can I be sued? Q6. What happens to my credit? Q7. What are the tax consequences of debt negotiation? Q8. What types of debts qualify? Q9. Do you guarantee debt reduction?

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How much unsecured debt do you have?

A1. No. Your creditors have every right to try and contact you in order to collect an amount due. However, we will send your creditors "Cease and Desist" requests, and our company has been successful in reducing harassing telephone calls. Back to Top

A2. It is possible for creditors to garnish your wages if they have won a lawsuit against you. However, we will work closely with your creditors and make it our top priority is to settle your accounts before this happens. Back to Top

A3. Charging you exorbitant interest rates may be legal, but it's usury, which is unethical and immoral. Our legal and ethical approach has worked with thousands of creditors across the country. You have already paid too much, and no one is denying them their money. But your financial hardship requires a leveling of the playing field, and we can settle your debt for a reduced amount, providing you with the opportunity to pay off your debts within 6-48 months.* Back to Top

A4. We will work work with you to devise a payment plan that is convenient for you. Remember, the more money you can save in settlement funds, the faster you can pay off your accounts. You can even send in a tax return or increase your payment at any time. Back to Top

A5. It is possible. The good news is that by keeping a good dialogue with your creditors, you can help avoid the necessity of a lawsuit. Our negotiators will work closely with your creditors to help prevent a lawsuit from occurring. Please consult an attorney for any legal advice or help. Back to Top

A6. Once you complete the program, your settled accounts are reported to the credit bureaus as "paid for less than the full amount" or a similar phrase. The benefits of debt settlement can ultimately improve your debt-to-income ratio allowing you to work towards a better financial future. Back to Top

A7. You may be required to report any settled debts exceeding $600 to the IRS . However, please contact an attorney or tax advisor for more information regarding this subject. Back to Top

A8. We accept a variety of unsecured accounts, including: credit cards, business debts, department stores, gas cards, medical bills, finance contracts, and signature loans. The best discounts are typically on credit card. Secured debts are ineligible such as mortgages, auto loans, student loans, SBA loans, and taxes. Back to Top

A9. No. However, we have a 15-Day, 100% Customer Satisfaction Guarantee. Back to Top

*The number of months illustrate the average time it took on settled accounts only; savings vary on an individual basis. These numbers are a reflection of savings at the time of settlement. We cannot guarantee any specific results. U.S. Financial Management cannot guarantee that a creditor will accept a settlement offer. Results may vary.

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