We offer debt settlement/negotiations for those who do not qualify for bankruptcy, due to excess income or assets, those who want to eliminate unsecured debt but cannot afford Chapter 13 plan payments, or for those who wish to avoid bankruptcy at all costs, but still desire to become debt-free. We offer true debt settlement plans which eliminate 40 to 60% of the outstanding balances on your unsecured debt.
Please do not confuse our service with credit counseling programs, in which you repay all of your creditors in full with an adjusted interest rate over four to five years. Many individuals sign up with these programs spending years repaying according to the payment program, only to find out that they are no closer to being debt-free when they started, with impaired credit, and facing lawsuits from creditors who do not agree to these credit counseling plans.
Before your first consultation with us, please fill out our Delaware bankruptcy forms.