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The Mechanix of Credit -- credit improvement techniques geared toward the masses. Debt Settlement

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Credit Facts
Credit Repair
Don't Borrow Trouble
Credit Cards
12 Steps
Medical Bills
Credit Freeze
Bankruptcy
Foreclosure
Stupid Credit Tricks
Publications
Savings
Unnatural Acts
Debt Settlement
Relevent Links

Personal Observation
CCCS is judged by many lenders as far more damaging than bankruptcy.  The truth is that most of these  "non-profit" services have been established by major credit card companies specifically to circumvent the evenhandedness of bankruptcy laws.  Some of their tactics are downright fraudulent.

Now that bankruptcy laws have forever changed, you have fewer choices.  One of your remaining choices is Debt Settlement, where a creditor agrees to accept a lump sum payment less than the full amount owed.

 

If you are choking in debt, with several accounts 30 to 90 days past due, we know of a trustworthy debt settlement company that can "clear your airway".  They usually reduce the amount owed by 40% to 50%.  When combined with a home refinance program from our Specialty Lending Division, payment is virtually painless often with no up-front payment required.

Please do not confuse debt settlement with Consumer Credit Counseling Services (CCCS) or long-term debt restructuring programs. These programs often fail and will leave you with a branded credit report that will haunt you for many years to come.  Debt settlement, done properly, will eliminate your debt and improve your credit scores -- without having to endure the stigma of CCCS (often worse than bankruptcy).

To submit your confidential debt settlement request, please complete the form below.  This will be conveyed directly to Scott Secor for his initial review.

Unlike others, we never require that you provide your Social Security Number or other sensitive information prior to our initial consultation.  Furthermore, I never pull credit without your express consent.  You are under no obligation, nor are you obligated to work with any particular debt settlement or credit score improvement service that we may recommend.  We leave the choice entirely up to you.


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