Real Settlement Letters
We retain all settlements on file for a period of 7 years. This record keeping is available for all clients through our active client login on the home page of our website. Our expanding database helps us gain the needed knowledge to reduce your balances in a minimal timeframe. As seen by the research below, credit card companies can raise your rates at almost any time. Fight back, take action by working with the pros and see if you qualify to receive savings like the examples below.
93 percent of cards allowed the issuer to raise any interest rate at any time by changing the account agreement. (Source: Pew Safe Credit Cards Project, March 2009)
77 percent of surveyed credit card issuers (17 of 22) answered “Yes” to the question “Can you increase my APR or change my terms ‘any time for any reason’?” This includes all Top Ten issuers – even Citibank, which pledges not to change a customer’s terms before the card’s expiration date. (Source: Consumer Action credit card survey, July 2008)
Click on Creditor Name to View Letters*
| Name of Creditor | Debt Amount | Settlement | Savings | Savings% |
| $5,972.56 | $1,792.00 | $4,180.56 | 70% | |
| $4,857.27 | $1,943.20 | $2,914.07 | 60% | |
| $654.00 | $260.00 | $394.00 | 60% | |
| $7,126.00 | $4,000.00 | $3,126.00 | 44% | |
| $11,285.51 | $2,850.00 | $8,435.51 | 75% | |
| $47,000.00 | $9,400.00 | $37,600.00 | 80% | |
| $11,094.66 | $3,884.00 | $7,210.66 | 65% | |
| $31,624.43 | $10,000.00 | $21,624.43 | 68% |
* Estimates based on prior results; individual results will vary based on circumstances, including your ability to save sufficient funds and complete the program. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Read and understand all program materials prior to enrollment.
