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No Hidden Fees – We ONLY get paid if your debt is settled!
Click the link above to enter a few details about your debt, then receive your free debt relief plan.
Our experts will reach out by phone or email to explain exactly how much you can save, and if debt relief is right for you.
Our team negotiates down your debt, with average settlements of up to 45% of debt relief.
When you opt for debt relief, you unlock the potential to dramatically lower the total amount you owe. This isn’t just a debt management plan – we may be able to help reduce the total amount of your debts. Just imagine if nearly half of your debt was wiped away before you had to make another payment!
Debt relief benefits include a notable reduction in what you’re required to pay back, decreased financial stress and anxiety, more funds available for other essentials, and a quicker path to financial freedom.
Securing debt relief isn’t just about lowering the debt you owe—it’s also about getting out from under the crushing weight of high interest rates. Often, it’s these interest rates that keep you in a perpetual cycle of debt, as your minimum payments barely make a dent in the principal balance. And, the more credit card debt or personal loans you have, the more interest you’re fighting against.
One size does not fit all, especially when it comes to debt settlement companies. This is where a program tailored to YOU and your unsecured debts is essential.
Our skilled debt negotiators increase the chance of favorable debt settlement terms that could save you thousands. And, our continuous customer support and financial education help equip you with tools and knowledge for future financial resilience.
Choosing debt relief benefits can be an important detour away from the tough road of bankruptcy. Bankruptcy might seem like a one-stop-shop for wiping away debt, but the repercussions can stretch out for a decade. Debt relief, on the other hand, offers a less drastic measure that may ultimately help protect your credit record and open more doors for your financial future.
Imagine replacing a confusing mix of bills with one predictable payment each month. Similar to a debt consolidation loan, we’ll get you started by simplifying everything down to one monthly bill. But, unlike debt consolidation loans, you’ll begin paying this single payment into an escrow account instead – one that’s completely controlled by you. In the meantime, our team will begin the process of negotiating directly with your creditors to reduce your enrolled debt.
Debt relief may help pave the way for long-term financial stability. By reducing your debt burden, you gain control over your finances, potentially saving money on interest and avoiding bankruptcy.
Using a debt settlement company may initially impact your credit report. However, your credit score should improve over time as you continue with consistent on-time payments and decrease your overall debt.
Many of our clients successfully eliminate their enrolled debts in just 30 to 48 months. Instead of enduring years of minimum payments as the interest piles up, debt relief may offer a faster, more affordable path to helping you achieve your goal of being debt-free.
If you qualify for debt relief and the forgiven debt is considered taxable income, you might be able to avoid paying taxes on it through the insolvency exclusion. That is, if your total debts exceed the value of your assets, you may be considered insolvent, allowing you to exclude the forgiven debt from your taxable income. It’s important to consult a tax professional to determine if you qualify for this exclusion.
Debt Clear USA partners with trusted third-party providers (“Providers”) to provide debt resolution services. In some states, debt resolution services will be offered by Advantage Law, a DBA of Higbee & Associates. See below for details about Advantage Law.
Clients who make all monthly program payments save approximately 40 – 50% of their enrolled debt (average of 43%) upon successful program completion, before program fees. Fees are based on a percentage of your enrolled debt at the time of starting the program and range from 14%-25% of your enrolled debt. Programs range from 20-48 months. Clients must save at least 25% of each debt due to an enrolled creditor before a bona fide settlement offer will be made. On average, clients receive their first settlement within 4-7 months of enrollment and approximately every 3-6 months thereafter from when the prior debt was settled. Not all clients complete the program. Estimates are based on prior results and may not match your results. Providers cannot guarantee that your debts will be resolved for a specific amount or percentage or within a specific timeframe. Providers do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting, legal advice or credit repair services. Provider’s program is not available in all states; fees may vary by state. The use of debt resolution services will likely adversely affect your credit. You may be subject to collections or lawsuits by creditors or collectors. Your outstanding debt may increase from the accrual of fees and interest. Any amount of debt forgiven by your creditors may be subject to income tax. Clients may withdraw from the program at any time without penalty and receive all funds from their dedicated account, other than funds earned by the company or fees paid to third-party service providers, as may be applicable. Read and understand all program materials prior to enrolling. Certain types of debts are not eligible for enrollment. Some creditors are not eligible for enrollment because they do not negotiate with debt relief companies. To determine the offers you may be eligible for, Providers conduct a “soft credit pull.” This credit pull does not impact your credit score, creditworthiness, or ability to obtain credit from other sources. The soft pull is not a tradeline entry, does not report against your score and will only take a few minutes.
Important Information For Those In States Serviced By a Law Firm Partner. Advantage Law is a DBA of Higbee & Associates PC, an A+ rated law firm by the Better Business Bureau. Mathew Higbee principal attorney, Las Vegas, NV. Choosing an attorney is an important decision that should not be done solely based not advertising. Fees are not set by law and can be negotiated. The terms and benefits of Advantage Law’s services will vary from those listed above.
