Our Program

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Once you have made the decision to take the necessary steps to become debt free, our Debt Settlement program will help lead you and your family to a better financial future.

One of our Debt Consultants assists each and every client with a personal budget to establish an affordable monthly payment, considerably less than you’re paying now. We provide a variety of programs to choose from depending on how fast you want to be debt free and what you can afford. Programs usually range from 12-36 months depending on the size of debt. Every case is unique and one of our Debt Consultants will be able to provide you with a plan for your individual debt situation.

These funds must be set aside each month so that our debt negotiators can use the savings to negotiate a settlement with your creditors. Your current level of unsecured debt will be skillfully negotiated for you by a team of professional negotiators. Essentially you will end up reducing your total debt up to 40-60%.

A Mutual Debt Solutions client services account manager will make a monthly courtesy call to make sure everything is going as planned. If you have any new information or questions your client account manager will be happy to assist you at that time. You will also be given a direct line to call anytime with any concerns or questions you may have.

We contact your creditors and act as your representative at the time of the negotiations. Once you have accumulated the necessary funds to settle with one of your creditors, we will immediately contact the creditor to inform them we are now representing you and your interest in settling the current debt with them. Reaching a settlement usually takes several phone calls and communication between Mutual Debt Solutions and the creditor. Creditors know that approximately 30% of the almost 2 million bankruptcies last year occurred on debt that was current. Creditors do want to settle and we will negotiate aggressively on your behalf.

Our team of skilled negotiators will always communicate with you to approve any settlement and written documentation is always obtained for every finalized settlement before you fund the settlement. We will continue this process until we have settled all of your enrolled debts. Once paid, your debt is gone forever.

Remember, Mutual Debt Solutions is working for you and not your creditors!