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FAQs

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1. What is Debt Settlement?

(FAQs/FAQs)
Debt Settlement is a negotiation process that takes place with major creditors. The objective is to reduce your debt with a program that is tailored to your needs. We can typically reduce your debt by 50%* in a program that takes place a...

18/09/2007 | 934 Hit(s) |

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2. How much is settled through your program?

(FAQs/FAQs)
Any individual creditor may use a number of different criteria in determining that creditor’s willingness to settle a debt of the amount acceptable in settlement, including, but not limited to the amount of debt, the current status of debt, the...

17/09/2007 | 729 Hit(s) |

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3. How does debt settlement differ from debt consolidation

(FAQs/FAQs)
The main purpose of debt settlement is to reduce the amount of debt by negotiating a lower amount owed (total) with your creditors. With debt consolidation you are merely transferring the total amount of your debt to one loan (secured) w...

17/09/2007 | 1110 Hit(s) |

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4. Do you negotiate interest rates, fees and penalties?

(FAQs/FAQs)
We negotiate total balance due, including any interest, fees and/or penalties.

16/09/2007 | 178 Hit(s) |

(0 vote)

5. What if I file for Bankruptcy?

(FAQs/FAQs)
USFM can not advise on filing for bankruptcy, as it is a very personal decision. There are many circumstances involved in making a move towards bankruptcy. The American Bankruptcy Institute* has established a checklist with the following guidel...

16/09/2007 | 956 Hit(s) |

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6. What are your fees and payment plans?

(FAQs/FAQs)
Payments vary, depending on the circumstances of the individual and the amount of debt owed. Some individuals are able to settle their debts within 12 months, while others may take longer. We tailor our program to your specific needs and abilit...

15/09/2007 | 1407 Hit(s) |

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7. How does the debt settlement process work?

(FAQs/FAQs)
The program is based on your commitment to set aside enough money that can allow us to negotiate the best terms for settlement on your behalf. US Financial Management contacts your creditors after you are officially enrolled in the prog...

14/09/2007 | 720 Hit(s) |

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8. Do I have to settle all of my debts?

(FAQs/FAQs)
Not at all. Any accounts that you would like to keep open should not be settled. However, if you owe a significant amount on the account, we suggest that you settle it to avoid paying a large amount of money over the long-term.

13/09/2007 | 1145 Hit(s) |

(0 vote)

9. Will your company help cease the collection calls?

(FAQs/FAQs)
We can not guarantee that collection calls will come to an end. You can proactively act to stop a debt collector from contacting you by writing a letter to the collector telling them to stop. Once the collector receives your letter, they ...

12/09/2007 | 1093 Hit(s) |

(0 vote) | Read more...

10. Will all of my creditors work with you?

(FAQs/FAQs)
Our company has worked with most of the major creditors, and we have built relationships with many of them. In our experience, the majority of creditors will settle because they want to recover a portion of the amount owed, &nbsp...

11/09/2007 | 1048 Hit(s) |

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Benefits of Negotiation

    * Avoid the embarrassment of bankruptcy and long term debt consolidation loans.
    * Reduce your personal, business and medical debt.
    * Our clients have saved thousands of dollars with our debt negotiation program.
    * One of the quickest and most sensible ways to reduce unsecured debt compared to other debt management options.
    * Helps to reduce annoying collection calls.
    * Credit Report analysis.

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Many times one partner in a relationship will be more careless with money than the other. Discuss your money-saving goal with your partner and involve him or her in your new spending habits.

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Frequently Asked Questions

•What is debt settlement?
•How does debt settlement differ from debt consolidation?
•What if I file for Bankruptcy?
•What are your fees and payment plans?
•How does the debt settlement process work?
•Do I have to settle all of my debts?
•How much is settled trhough your program?
•Will your company help cease the collection calls?
•Will all of my creditors work with you?
•What types of debt can be settled through your program?
•Can you stop interest, fees, and penalties?
•Do you negotiate interest, fees, and penalties?
•How soon can I rid myself of debt?
•Can I be sued? What happens if i get a judgment from the creditor?
•Can I settle my debt on my own?
•How does debt settlement differ from credit counseling?
•What requirements do I need to meet in order to join your program?
•Does debt negotiation only work for credit card debt?
•What is the difference between secured debt and unsecured debt?
•How will your program affect my credit score?
•Do I have to pay taxes on my negotiated amount?
•WIll my information be sold or given to anyone?


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