We begin with a free consultation to understand your situation and current income level. This includes reviewing your outstanding balances, interest rates, and payment history. We use this detail to craft a personalized strategy for negotiating with your creditors.

Our team conducts a comprehensive review of your credit card debt. We analyze your financial documents, including statements and correspondence with creditors, to develop a tailored approach for settlement negotiations.

Based on our review, we create a customized settlement plan. This plan outlines the steps we will take to negotiate with your credit card companies, including proposed settlement amounts and repayment terms that fit your budget.

We handle all negotiations with your card issuers on your behalf. Our goal is to request that they waive off a portion of the total debt amount and secure more favorable terms. Our experienced negotiators work to ensure the best possible outcome for you.

Once we receive a settlement offer from your financial institutions, we present it to you to review. This includes detailed terms of the agreement, such as the reduced percentage and any new repayment schedule. We make sure you understand and agree with the terms before proceeding.

After you approve the settlement offer, we facilitate the finalization of the agreement. This involves making the agreed-upon payments and ensuring that all necessary formalities are completed. We also confirm that your creditors update their records to reflect the settled status of your debt.

After your credit card debt is settled, we provide ongoing support to help you manage your finances and rebuild your credit score. This includes budgeting practice, financial planning techniques, and strategies to maintain your financial health.