We help consumers who are experiencing financial difficulty. Our program is perfect for those who wish to take care of their delinquent accounts but lack the financial means necessary to pay them in full and want to avoid Bankruptcy. We negotiate directly with your creditors to achieve a reduced settlement on the particular accounts that you specify. The goal is to help you settle your delinquent accounts for significantly less, creating a more manageable financial situation so that you can pursue your other financial goals.