The MyDebtNegotiation® program is a debt solution that will help you avoid bankruptcy and fight creditor harassment.

The MyDebtNegotiation®  program is a superior solution to the other debt management alternatives. The reason is simple: debt negotiation reduces your debt amount owed.

How Does OUR Debt Negotiation Program Work?

When you enroll in the MyDebtNegotiation® program, we will immediately contact each of your creditors to make them aware that we are now representing your interests and you would like to settle your outstanding balances. We know that no two situations are the same. We look at each client’s individual needs and can determine how many months you will be part of the debt negotiationn program based on the payment plan you can afford. Reaching a settlement usually takes several phone calls and communications between us and the creditor. Once an offer has been reached, and all parties, including yourself, have agreed to the settlement amount, we will advise you on how the payments should be applied to the new amount.

Why Does Our Debt Negotiation Program Work?

Unlike other debt management options, such as consolidation or credit counseling, negotiation actually reduces your debt amount by 50%*. After each of your creditors has received the agreed amount in full, you are cleared of that debt. This makes negotiation an affordable way to improve your financial situation. MyDebtNegotiation® will continue to work on negotiating all of your balances until you have finally paid off the reduced amount. We work only for our clients, not for the benefit of the creditors. Our experienced negotiators have settled thousands of accounts with creditors, banks, and collection agencies.  View actual debt settlement letters, and see the savings we have achieved for our clients with our proven debt negotiation program.

*These percentages illustrate the average amount saved on settled accounts only; savings vary on an individual basis. These percentages are a reflection of savings at the time of settlement and do not include any service fees. We cannot guarantee any specific results. U.S. Financial Management cannot guarantee that a creditor will accept a settlement offer. Results may vary.