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FAQs

From the list below choose one of our FAQs topics, then select an FAQ to read. If you have a question which is not in this section, please contact us.

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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 anywher...

18/09/2007 | 2342 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 | 1908 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) without ...

17/09/2007 | 2434 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 | 1301 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 guidelines: ...

16/09/2007 | 2347 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 debt settlement program to your specific needs ...

15/09/2007 | 3141 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 program. Thi...

14/09/2007 | 2407 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 | 2787 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 | 1742 Hit(s) |

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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, rather than nothing at all...

11/09/2007 | 1640 Hit(s) |

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Benefits of Negotiation

    * An alternative to 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.
    * Credit Report analysis.