This is how it works.

Our debt settlement program is actually quite simple.

Your current level of unsecured debt will be skillfully negotiated for you, and essentially you will end up paying a fraction of the debt. We GUARANTEE we will settle your debt for 40% or less of your original balance or we will refund any service fees associated with that account. We are the only company in the industry that offers this level of assurance.

We will set you up with an affordable monthly payment, which is determined on a client-by-client basis between you and a counselor at Debt Relief Team. Based upon what you are able to pay each month into your settlement account, we can determine how many months you will be part of the program and ultimately be debt free. Throughout the program, we communicate with your creditors, on your behalf, and you will no longer be dealing with burdensome phone calls and letters from your creditors.

Upon enrollment, we will immediately contact each of your creditors and inform them that we are now representing you. Additionally, we will serve them with a cease and desist so that by law they can longer contact you and they have to deal directly with us. Reaching a settlement usually takes several phone calls and communication between Debt Relief Team and the creditor. Once a settlement offer has been reached, and you as the client have agreed on this amount, you will pay the agreed upon amount from your settlement account. This is always done with your authorization, whether verbal or written.

At that point, the creditor has accepted the payment in full, and you are free of that debt forever. Debt Relief Team will diligently continue to work on negotiating all of your debts, until you are finally free from the once overwhelming debt that you started our program with. Additionally, upon your program completion we will pull a complimentary credit report to insure that all the debts placed into the program are properly updated on your credit report. Again, we are the only company in the industry that included this step as part of their service.

Our main goal is to get you out of debt. We work only for our clients; not for the benefit of the creditors. Becoming debt free is the first step to becoming financially secure, and debt settlement may be your best option.