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10. Should I stop answering calls from creditors?
That decision is up to you! You do not have to accept a call that you do not want to take.

11. Will debt settlement affect my credit score?
Yes. Generally speaking, if you miss payments and/or do not pay your creditors according to the agreement you originally made with them when you opened that line of credit, your credit will likely be negatively affected. Any debt settlement program will have an adverse effect on your credit score, and you should be very, very cautious of any program that tells

Debt settlement FAQs?

1.  How do I start my debt settlement?
Taking your first step toward financial freedom with debt settlement is easy! All you have to do is call 866-PCA-9651 or click here to set up a time for one of our debt settlement specialists to call you! And don’t worry, this call is absolutely free, with no strings attached. On the call, we will explain to you how our proven process works and see if you’d benefit from our program. If you decide that is the solution you’ve been searching for, then we will begin negotiating directly with your creditors as soon as you enroll. We’ll take the stress out of the mess and deal with your creditors for you, so that

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you it won’t affect your credit. BUT, there’s good news! We partner with a highly reputable credit repair company,, and can help you get connected to the right people who will help you restore your credit quickly and affordably!

12. How much will I need to save towards settling my debt with my creditors? 
We will help you establish a trust account that is owned and controlled by you, NOT us. You will receive a statement each month, just like they would any other bank statement. Once you save and accrue enough funds into your trust account, we can begin the negotiation process with your credit companies. You must have at least 50% of the amount of the lowest credit card before negotiations can begin. Because of that, the exact amount will change based on your goals and your debts. You will always have the final say of whether or not you want to accept what the credit company offers after we negotiate with them on your behalf. Once you accept an offer, your debts will begin to be paid to the creditor from your trust account.

13. What happens if I can’t save funds?
In order to settle your debts, you need to save funds so that you can pay the reduced amount. If you are unable to save funds, we will have to wait until a time that you can save funds. Otherwise, you are unable to settle debts with your creditors.

14. Who is in charge of paying the remaining debts that we come to an agreement on?
You are the sole person responsible for getting your settled debts paid. That is why it is so important to put aside funds you can use once we have negotiated with your creditors to reduce your debt. 

15. Can my creditors still sue me if I’m in a debt settlement program?
Yes. If you don’t pay your bills on time, your creditors can take legal action against you. 

16. Can you prevent lawsuits brought on by debt collectors?
We cannot prevent lawsuits by debt collectors. However, we do have ways to help you work through and manage your collections. You must seek legal advice on any lawsuits against you.

17. Do interest charges and late fees stop while I am in the debt settlement program?
No. During the program you are still liable to make your payments on time to any debt collectors and to pay any interest or late fees incurred. 

18. Will you,, contact my credit collectors?
Yes! We will take as much stress off of you as possible and negotiate debt reductions for you with your creditors.

19. How much does charge?
Our debt settlement program is risk FREE! We at truly want you to experience more financial freedom! That’s why we have on of the industry’s best debt settlement prices and guarantees! There is a monthly fee that we will agree upon based on your needs. BUT, we do not collect any payments from you until we have successfully settled a debt for you! PLUS, the best part about it is that we GUARANTEE that our program will save you at least the cost of what you pay us, or we will pay the difference!

So why wait? Don’t you want financial freedom for you and your family? Call now at 866-PCA-9651 or click here to request more information!

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5. Is debt settlement a scam?
No! Unfortunately, there have been some bad apples in the credit repair/debt settlement industry, though. Make sure to steer clear of them! However, as long as you are working with a certified, transparent, and confidential debt company that will truly advocate for you, you will be very happy you chose to settle your debts and release thousands, possibly hundreds of thousands, of dollars in debt from you!

6. What’s the difference between debt settlement and debt consolidation?

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you can relax! It will be your responsibility to save sufficient funds to ultimately settle any remaining debts. Throughout the program, you’ll be provided not only with an advocate negotiating on your behalf, but also with education, valuable information, and tools that will help you to successfully eliminate your debt and live a happier life!

2. How long does debt settlement take?
The time it takes to settle a person debt’s can vary in length based on a number of factors! Like snowflakes, no two people have the same financial circumstances. Our promise is to work with you on a personal, customized level. We will only offer solutions that will help you in your specific situation to successfully and quickly resolve your debt. PLUS, depending on the amount of your debt, you may be able to extend your payments up to 48 months to lower your monthly amount owed! 

3. Who will be helping me settle my debt?
Our team of knowledgeable, experienced debt specialist and lawyers will be working with you, taking on the stress of negotiating with your creditors for you, and making sure you are completely taken care of! We know how hard, stressful, and consuming financial troubles are, and our team of highly qualified specialist truly seek to remove some of your burdens for you. 

4. Is debt settlement confidential?
YES! Your debt settlement will be absolutely confidential. We will obviously be reaching out to creditors on your behalf and negotiating with them to eliminate or lower your debt, but other than those we need to negotiate with, no one else outside of will know!

Debt settlement, which we can help you with, is when we negotiate with credit companies to get your debts erased or partially relieved. Debt settlement actually lowers the amount of debt you owe AND lower the amount of money you pay monthly! However, “debt consolidation,” which is often not recommended, requires you to take out a large loan to pay off your debts. Though these large loans are considered “secured loans”, because they require you to offer something like your home, car, etc. as collateral, so that if you default, they can take possession of that collateral

7. Why shouldn’t I file for bankruptcy? 
Although filing for bankruptcy may seem like an easy solution, it can seriously damage you financially for the rest of your life. Many professionals will tell you that bankruptcy vanishes after 7-10 years, however, the truth is, whenever you go to open a credit card, buy a house, buy a new car, or take out a student loan or any other kind of loan, you are almost always asked if you have ever filed for bankruptcy. Furthermore, if you have filed for bankruptcy and answer by saying you haven’t, you could be charged with a federal offense. On top of that filing for bankruptcy is expensive because you need to pay all the court and legal fees that are necessary for you to file. Also, bankruptcy is not as simple as just wiping away all your debts. Unfortunately, these days in this new economy, many people are forced to file Chapter 13 bankruptcies; under a Chapter 13, you’d get your finances and trust marred by the word bankruptcy and all the consequences it brings, PLUS you’d still have to pay a portion of your debts back over a longer period of time! You should consult with a lawyer about bankruptcy, but it is generally considered the very last option.

8. Do I have to get all my debts settled?
Although we are an advocate for you, you remain in control of the debt settlement process the whole time! If you have debts you would not like us to negotiate for you, that is totally fine! You will decide which debts you’d live us to resolve for you. You will never be alone in that decision, though; our specialists will give you input to help you decide which debts to prioritize.

9. Will pay my creditors for me?
No, you are responsible for continuing to make payments to your creditors as we work to lower and/or eliminate your debt for you. We will, however, assist you with figuring out a budget that will help you enjoy a healthier financial life.