Real Settlement Letters

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Creditor	Click a file to view a settlement letter
Chase
Bank of America
GE Money Bank
HSBC
Citibank
Target
US Bank
Capital One
Wells Fargo
Barclays
Discover
American Express

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 become part of our program.

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)

These letters are actual settlements we have received for our clients. The amount of debt reduction in each case varies, but these examples are typical for our clients. On occasion, a creditor will not settle a debt for less than the full amount, but this is not common. The amounts in these letters are what the creditor agrees to accept. The client pays fees in addition to the cost of the settlement. Of course, a client must remain active in the debt resolution program and accumulate funds to be used for settlements in order to realize savings.

First Name:

Last Name:

Phone:

Email:

Total Unsecured Debt: $10,000 - $14,999 $15,000 - $19,999 $20,000 - $29,999 $30,000 - $39,999 $40,000 - $49,999 $50,000 - $59,999 $60,000 - $69,999 $70,000 - $79,999 $80,000 - $89,999 $90,000 - $99,999 $100,000 +>