Debt negotiation involves a company like JustUsDebt that contacts a client’s creditors and negotiates a reduced pay-off on the accounts. In contrast to consumer credit counseling or debt consolidation, debt negotiation actually reduces the amount of money you owe. With JustUsDebt, you may be able to reduce your delinquent debt by as much as 70%.
There are five (5) simple qualification requirements for our debt negotiation program/services: 1) You Must currently be dealing with some type of financial hardship. 2) You must currently be delinquent on your debts or about to become delinquent. (generally, debts that are 30 days or more late); 3) Your debts must be unsecured (including credit cards, judgments, medical bills, utility bills, repossessions). We do not represent clients on government-related debts (including student loans, tax liens, back taxes, child support, etc.) or on secured debts (mortgages, car loans, etc.); and 4) Your debt balance must be $5,000 or more. 5) You must reside in a state in which JustUsDebt can provide debt negotiation services.
Our debt solution services are designed to help people who would like to improve their debt situation, whether they’re delinquent on their debts or not. Even if you’re not delinquent on your debts, we still may be able to help you improve your financial situation and increase your financial freedom. Contact us today for more detailed information about the services we offer for clients like you.
Unsecured debt includes credit cards, medical bills, and personal loans. It is generally any debt that arises from a contract you enter into with a creditor which enables you to obtain goods or services on credit in exchange for your promise to pay (compared to secured debt where you receive credit by putting something of value up as collateral – like a car or a house).
You may select which debts you would like us to resolve. One of our debt negotiation specialists can discuss your situation and help you determine what debts you may want to include in your debt settlement program.
Absolutely. We are 100% committed to maintaining complete client confidentiality and privacy.
Make your first step toward financial freedom today by filling out our online form, contacting us by phone, or sending us an e-mail.
You certainly can. But our question to you is: Why would you want to? Creditors and bill collectors can be intimidating, obnoxious, and down-right mean. We understand that simply answering their telephone calls is a source of great stress for most people. That’s why we’re here.
And we have a couple of advantages that you don’t: 1) We deal with creditors and bill collectors everyday – it’s our specialty; 2) we have over 50 years of combined experience in the collection industry – on the consumer side and the creditor side (in other words, we know our stuff!).
We act as your limited power of attorney and notify creditors of this fact so their harassment and calls should be greatly reduced and may end all together.
While the amount of time necessary to complete the program will depend on your specific situation, our goal is to help you completely eliminate your unsecured debts in about 12-48 months – and many times even sooner than that.
We generally save our clients like you between 30% and 70% on their total unsecured delinquent debt balance. Over the years, we have averaged a savings rate of 48%! How much you save will depend on how much debt you have, what type of debts you have, who the debts are with (for example the original creditor or a collection agency) and numerous other factors. *Results can and will vary.
We understand that every person’s debt situation is unique – that’s why we tailor a solution to fit your needs and goals. To get a better idea of how much money we could help you save on your unsecured debts, please call us.