Debt Negotiation Services by US Financial Management, Inc.

Simple Concept With Obvious Benefits

The ability to reduce debt such as credit card debt, medical debt and business debt by 45 to 60%* allows consumers to eliminate their debt in a rather short period of time.

The Debt Negotiation Advantage

Complete the Form Below for A Free No Hassle Consultation

*To Learn How Debt Negotiation Can Help Use The FORM to the Right...*

Debt negotiation is a program that is gaining rapid popularity, especially with individuals that are trying to avoid bankruptcy or are unable to meet the stringent bankruptcy guidelines that have been established recently. Our debt negotiation program has successfully settled thousands of accounts with creditors and collection agencies. This is a successful debt management option because it effectively reduces your actual debt by approximately 50%*, not just your interest.

First Name:		Last Name:
*State:		Home Phone:
Cell phone:		Email:

How much unsecured debt do you have?

This allows our average client to pay off their debt within 6-36 months!

Debt Negotiation is also commonly known as Debt Settlement, Debt Reduction, Debt Arbitration, and Debt Management. Debt Negotiation reduces your debt with creditors through a mutually accepted settlement agreement. This agreement results in a reduced debt payment. There are several main benefits of debt negotiation. First of all, Debt Negotiation can help you to avoid bankruptcy. Secondly, it can reduce your total debt by 50%! Plus, it can help you to reduce those annoying collection calls.

Millions of people have chosen debt negotiation instead of filing for bankruptcy or using consumer credit counseling. The main reason for this is that Debt Negotiation could save you much more money and time than traditional debt management programs. It also allows you to avoid the long term effects of a bankruptcy, which can negatively affect your credit for up to ten years. In summary, Debt Negotiation can provide the following benefits:

1. Helps You Avoid Bankruptcy: Debt negotiation can reduce your debt without the time-consuming and expensive legal process. Think you will be saving with bankruptcy? Factor in the court and filing fees, the cost of debt counseling classes, and the lawyer fees (A lawyer is not mandatory but highly recommended due to the amount of complicated documents to fill out.) It is more expensive than you think.

2. Reduces Your Unsecured Debt: The debt negotiation process can reduce your debt by 50% on average!

3. Reduces Creditor Harassment: - Debt Negotiation Services will contact your creditors to minimize collection calls.

4. Improves Your Debt-To-Income Ratio: - Debt negotiation allows you to pay off your debt soon, so that you can have a better debt-to-income ratio. Now your income will not go toward paying your credit cards for the next fifteen years, which enables you to begin bettering your financial future.

5. You Can Pay off Your Debt Within 6-48 Months: The duration of a debt negotiation program is much shorter then a debt consolidation program, which can take up to thirty years.

Through our Debt Negotiation Services we negotiate on your behalf with your creditors and/or debt collectors. This process has been highly effective with many creditors and debt collectors and our debt negotiators are highly trained to help you obtain the best settlements. Our company will also provide you with all relevant information to educate you on your Consumer Rights, when you contact us.

Debt negotiation does not work on secured debts, such as mortgages or car loan. The reason that creditors are more willing to negotiate in the case of an unsecured debt is that unlike secured debts, unsecured debts do not have any security interest to ensure they get their money back if you default on payments. You may also have to pay taxes on the money that you save from a settlement as it is considered as revenue per the Internal Revenue Service (IRS). But in many cases, insolvent debtors are excluded from this requirement. Ultimately, check with your accountant on this matter.

Debt negotiation is a good option to take if you are finding it increasingly difficult to fulfill the repayment of your debts.

*These percentages illustrate the average amount saved on settled accounts only; savings vary on an individual basis. These percentages are a reflection of savings at the time of settlement and do not include any service fees. We cannot guarantee any specific results. U.S. Financial Management cannot guarantee that a creditor will accept a settlement offer. Results may vary.

Home :: About Us :: Our Program :: Why Debt Negotiation :: FAQs :: Articles :: Resources :: Contact Us
Copyright © 2007-2008 US Financial Management, Inc. - All Rights Reserved
Terms of Use :: Privacy Policy