US Financial Management, Inc.

We handle all types of unsecured debt, such as credit card debts, medical, retail accounts, collection accounts, and personal loans. Unfortunately, we do not work with secured debt, such as IRS tax liens, student loans, child support, alimony, mortgages, auto loans, or other property that can be repossessed.

Creditors may continue to charge interest, late fees, and any applicable penalties, until a mutually agreeable settlement is reached based on the creditor's claim at time of settlement.

Please note that if you do not make your minimum payments your creditor may raise the interest rate on your account. Your account balance will continue to grow as your creditor adds accrued interest, late fees, over-limit fees and penalties. Your balance will continue to grow until a settlement is reached with your creditor; and, if negotiations are unsuccessful, you could be called upon to pay the entire balance.

The length of time it takes to pay off an account varies on an individual basis. There are several factors that determine how long the process will take, including the outstanding balance, the number of accounts that are being settled, and the amount you are able to pay towards your accounts each month.   Since our program can be tailored to each individual, our debt negotiation professionals can help you to decide what will work for you. U.S. Financial Management’s average You can pay off the balance on their accounts within 12-48 months.

Yes, you can be sued.  US Financial Management does not provide legal advice or representation.  Please consult an attorney for any legal advice or representation.  A creditor does have the right to pursue legal action in order to recover money owed.  By failing to pay creditors, you may be in violation with the terms of your agreement with them, which may result in a creditor suing you.  US Financial Management has, in the past, successfully settled accounts with summons/complaints as well as judgment accounts and will continue to negotiate on your behalf to find a resolution.