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 Your Credit Card debt never seems to get smaller? See why! Use this free debt calculator to figure out your settlement needs. |
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Debt Free 12-36 Months  |
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FAQ
Q: Is debt settlement legal?
A: Debt settlement is legal. it is the an effective way of getting out of debt quickly. Without the option of debt settlement, many of our clients would have no choice but to file bankruptcy. Keep in mind that even though we are substantially reducing what you owe your creditors, they are still able to recover a portion of the original debt. In bankruptcy these creditors would receive nothing, so debt settlement is a win-win situation for both you and your creditors
Q: Who can your program help?
A: Our program can help anyone who is falling behind or having problems making minimum payments to creditors on their unsecured debts. Our clients have legitimate financial hardships and might not qualify for other debt programs, such as debt consolidation loans or consumer credit counseling. However, our clients want to address their financial problems and find a feasible solution to their debt problems that will allow them to avoid bankruptcy while helping them to alleviate the stress that unmanageable debt creates
Q: How do you reduce my debts?
A: We will negotiate and work with your creditors on your behalf. Our goal is to reach settlements with your creditors on any unsecured debts which you have contracted us to settle. This is accomplished through a series of negotiations with your creditors to secure settlements with substantially reduced amounts owed. We are usually able to reduce the total amount owed to an average of 25 - 50 cents on the dollar, including all fees and payments. All settlement agreements are approved by you before they are finalized.
Q: How does debt settlement compare to debt consolidation?
A: In debt consolidation programs, the debt consolidator makes one loan to you to pay off all your debts. You are charged interest on this debt consolidation loan and in some cases you are still required to pay interest to your creditors. As a result, with debt consolidation your principal debt balance often remains the same and you remain years away from becoming debt free. With Accredited Financial Inc's debt settlement program, our highly skilled negotiators work on your behalf to significantly reduce your debt. In most cases, our debt settlement program allows you to pay only a fraction of what you owe and helps you resolve your debts, often within only months.
Q: How does debt settlement compare to bankruptcy?
A: Bankruptcy was designed to be a consumer's last resort and has a devastating effect on your credit rating that lasts for seven to ten years. Debt settlement is an effective alternative to bankruptcy that provides you with financial freedom without the long-term effects and social stigma associated with a bankruptcy filing.
Q: How long does Accredited Financial Inc's debt settlement program take to complete?
A: The length of time it takes to complete the debt settlement program varies depending upon your ability to acquire the funds that will satisfy the amount of your settled debts.
Q: Do I have to be behind on my debts to qualify for your debt settlement program?
A: Not necessarily. Accredited Financial Inc's debt settlement program works with debtors in all stages of payments and collection although we find that once you are behind, creditors tend to be more willing to negotiate better deals.
Q: Do I have to include all of my debts in your debt settlement program or can I choose only the ones I would like you to settle?
A: With our program you have the freedom to select which accounts you would like us to settle for you. In fact, we suggest you keep one credit card out of the program for use in emergency situations.
Q: How does debt settlement affect my credit rating?
A: Debt settlement is an alternative to filing bankruptcy. As such, it may adversely affect your credit rating if your debts are current and you have no history of late payments. However, Accredited Financial Inc's program will improve your debt to income ratio and may improve that portion of your credit score. Since you will have resolved your outstanding debt through our debt settlement program your future creditors will see that you settled your debts instead of filing bankruptcy.
Q: What happens when we reach a settlement?
A: Once a settlement with one of your creditors has been reached we email, fax or mail over to you the terms and conditions of the settlement agreement for your approval. It is solely your choice to decide whether on not to accept the settlement agreement. The actual amount of the settlement and the time it takes to reach it depends on a multitude of factors.
Q: Will Accredited Financial Inc keep my personal and financial information confidential?
A: Yes. Accredited Financial Inc will absolutely maintain your confidentiality at all times. We only disclose information to those persons that you have expressly authorized us to disclose information to.
Q: Will all of my debts be eliminated when I complete your debt settlement program?
A: Yes. At the end of the program, you can expect to have zero balances on all unsecured accounts that you've contracted Accredited Financial Inc to settle. You will still be responsible for your secured debts i.e. mortgages, auto loans, etc. and any and all unsecured debts that you did not retain us to settle.
Q: Will I continue to get calls and correspondence from my creditors?
A: Once you are accepted into our debt settlement program and have paid your enrollment fee, you will direct all correspondence to our debt settlement team. Keep in mind that there is no law that prevents creditors from sending written correspondence to you. Do not be afraid to read these letters. In fact, it is important that you read each letter carefully as you are certain to get settlement offers from your creditors as a result of your admittance to our debt settlement program. These settlement letters and any other letter of concern should be forwarded to Accredited Financial Inc's Client Relations Department.
Q: Will interest and late charges continue to accrue on my debts while I am completing your debt settlement program?
A: This is possible. However as a practical matter, you need not concern yourself with these charges. In most cases Accredited Financial Inc's skilled negotiators will get your creditors to suspend and/or remove these charges while significantly reducing your principal balance as well.
Q: What should I expect from your debt settlement program?
A: You can expect a substantial reduction in the total balance that you owe to your creditors. While each case is different and results will vary, Accredited Financial Inc's debt settlement program targets to settle client debts for 25% to 50% of the balances owing.
Q: How do I know that your debt settlement program will work?
A: Accredited Financial Inc takes great pride in getting our clients out of debt and helping them to avoid bankruptcy and debt consolidation. After we analyze your financial situation you will either be accepted into the debt settlement program or we will advise you of the best option for you. This will be discussed with you during your consultation.
Q: Is debt settlement legal?
A: Debt settlement is legal. it is the an effective way of getting out of debt quickly. Without the option of debt settlement, many of our clients would have no choice but to file bankruptcy. Keep in mind that even though we are substantially reducing what you owe your creditors, they are still able to recover a portion of the original debt. In bankruptcy these creditors would receive nothing, so debt settlement is a win-win situation for both you and your creditors
Q: Who can your program help?
A: Our program can help anyone who is falling behind or having problems making minimum payments to creditors on their unsecured debts. Our clients have legitimate financial hardships and might not qualify for other debt programs, such as debt consolidation loans or consumer credit counseling. However, our clients want to address their financial problems and find a feasible solution to their debt problems that will allow them to avoid bankruptcy while helping them to alleviate the stress that unmanageable debt creates
Q: How do you reduce my debts?
A: We will negotiate and work with your creditors on your behalf. Our goal is to reach settlements with your creditors on any unsecured debts which you have contracted us to settle. This is accomplished through a series of negotiations with your creditors to secure settlements with substantially reduced amounts owed. We are usually able to reduce the total amount owed to an average of 25 - 50 cents on the dollar, including all fees and payments. All settlement agreements are approved by you before they are finalized.
Q: How does debt settlement compare to debt consolidation?
A: In debt consolidation programs, the debt consolidator makes one loan to you to pay off all your debts. You are charged interest on this debt consolidation loan and in some cases you are still required to pay interest to your creditors. As a result, with debt consolidation your principal debt balance often remains the same and you remain years away from becoming debt free. With Accredited Financial Inc's debt settlement program, our highly skilled negotiators work on your behalf to significantly reduce your debt. In most cases, our debt settlement program allows you to pay only a fraction of what you owe and helps you resolve your debts, often within only months.
Q: How does debt settlement compare to bankruptcy?
A: Bankruptcy was designed to be a consumer's last resort and has a devastating effect on your credit rating that lasts for seven to ten years. Debt settlement is an effective alternative to bankruptcy that provides you with financial freedom without the long-term effects and social stigma associated with a bankruptcy filing.
Q: How long does Accredited Financial Inc's debt settlement program take to complete?
A: The length of time it takes to complete the debt settlement program varies depending upon your ability to acquire the funds that will satisfy the amount of your settled debts.
Q: Do I have to be behind on my debts to qualify for your debt settlement program?
A: Not necessarily. Accredited Financial Inc's debt settlement program works with debtors in all stages of payments and collection although we find that once you are behind, creditors tend to be more willing to negotiate better deals.
Q: Do I have to include all of my debts in your debt settlement program or can I choose only the ones I would like you to settle?
A: With our program you have the freedom to select which accounts you would like us to settle for you. In fact, we suggest you keep one credit card out of the program for use in emergency situations.
Q: How does debt settlement affect my credit rating?
A: Debt settlement is an alternative to filing bankruptcy. As such, it may adversely affect your credit rating if your debts are current and you have no history of late payments. However, Accredited Financial Inc's program will improve your debt to income ratio and may improve that portion of your credit score. Since you will have resolved your outstanding debt through our debt settlement program your future creditors will see that you settled your debts instead of filing bankruptcy.
Q: What happens when we reach a settlement?
A: Once a settlement with one of your creditors has been reached we email, fax or mail over to you the terms and conditions of the settlement agreement for your approval. It is solely your choice to decide whether on not to accept the settlement agreement. The actual amount of the settlement and the time it takes to reach it depends on a multitude of factors.
Q: Will Accredited Financial Inc keep my personal and financial information confidential?
A: Yes. Accredited Financial Inc will absolutely maintain your confidentiality at all times. We only disclose information to those persons that you have expressly authorized us to disclose information to.
Q: Will all of my debts be eliminated when I complete your debt settlement program?
A: Yes. At the end of the program, you can expect to have zero balances on all unsecured accounts that you've contracted Accredited Financial Inc to settle. You will still be responsible for your secured debts i.e. mortgages, auto loans, etc. and any and all unsecured debts that you did not retain us to settle.
Q: Will I continue to get calls and correspondence from my creditors?
A: Once you are accepted into our debt settlement program and have paid your enrollment fee, you will direct all correspondence to our debt settlement team. Keep in mind that there is no law that prevents creditors from sending written correspondence to you. Do not be afraid to read these letters. In fact, it is important that you read each letter carefully as you are certain to get settlement offers from your creditors as a result of your admittance to our debt settlement program. These settlement letters and any other letter of concern should be forwarded to Accredited Financial Inc's Client Relations Department.
Q: Will interest and late charges continue to accrue on my debts while I am completing your debt settlement program?
A: This is possible. However as a practical matter, you need not concern yourself with these charges. In most cases Accredited Financial Inc's skilled negotiators will get your creditors to suspend and/or remove these charges while significantly reducing your principal balance as well.
Q: What should I expect from your debt settlement program?
A: You can expect a substantial reduction in the total balance that you owe to your creditors. While each case is different and results will vary, Accredited Financial Inc's debt settlement program targets to settle client debts for 25% to 50% of the balances owing.
Q: How do I know that your debt settlement program will work?
A: Accredited Financial Inc takes great pride in getting our clients out of debt and helping them to avoid bankruptcy and debt consolidation. After we analyze your financial situation you will either be accepted into the debt settlement program or we will advise you of the best option for you. This will be discussed with you during your consultation.
"Our family was in credit card debt for approximately $40,000.00 when I contacted Accredited Financial for help. The staff at AFI were helpful and understanding. They worked with my creditors to cut my debt in half. I really appreciate what AFI did for our working family" Maria and Jason K. |
"I had about $12,700.00 worth of debt, and Andrea with her team from Accredited Financial Inc were able to settle all my accounts and saved me a significant amount of money..." Robert A. |
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2007- Accredited Financial Inc
