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.