Debt Retirement is when we negotiate with your unsecured creditors so that they accept a reduced monthly payment, and at the creditor's option, to reduce interest charges and/or late or over-limit fees and when possible, to re-age the account(s) (Bring the account current).

The way we do this is we calculate a reduced Monthly Disbursal Amount [MDA] (the total of all reduced payments) based on what we believe each creditor will accept. We then deduct the MDA plus our Monthly Service Donation [MSD] of $34.95 directly from your checking account on the same day of each month as agreed. Upon verification of funds we will then disburse the proposed payment to each creditor. When a debt is paid off, the payment earmarked for that debt would then be paid to the other debts. This is a debt consolidation service, not a loan.

You have nothing to lose but your debt!