Unlike debt settlement, that tries to negotiate a payoff for some amount less than the original debt with the original creditor, debt resolution forces accounts into collection. Since the original creditors are blocked from taking the usual legal recourse to collect, they will sell off the debt to a collection agency as part of a large block of other delinquent debts. According to the Nilson Report, a newsletter that monitors the credit industry, last year debt buyers paid an average of 5.4 cents for every dollar of unpaid debt they bought. Debt collectors don’t have to collect on every debt in order to make a significant profit.

Armed with this knowledge, if you had a system that would thwart any attempt by a creditor to take your money, you would be in a much stronger position to negotiate a settlement that would be far less than using any other method of debt resolution. Basically, if they can’t take your money, they have to take what you are willing to give them. Since you would know that when you are dealing with a collection agency, and not the primary creditor, that they only have about five cents on the dollar into your account you can use that to your advantage.

Offering a collection agency ten cents on the dollar actually gives them an exit strategy by getting something for their trouble, and in reality they have still doubled their investment in your account! Any prudent business would rather get something, even if it is far less than they had anticipated, than nothing at all. Of course this type of settlement can only come when you have sufficient leverage to force them to take such a settlement offer. It is the asset protection part of the program that provides this leverage and it must be done right to pass scrutiny.

You will receive a full service consultation program where we take the stress off of you as we work together to resolve your debt problems and unsecured debt lawsuit.  You can sit back and relax as we prepare and help you build a case against your creditors and their harassment.You will receive protection from having your bank accounts frozen and wages being garnished and precious property levied. You will be able to stop wasting your time searching for everything you need because everything you need is right here. You will receive assistance if you have already been a victim of creditors through a default judgment.  You will receive information and attorney assisted and prepared documents with supporting case law for your state on how to answer your summons and complaint if you get sued or have been sued by your creditor.  You will receive asset protection with the Asset Guard Program  as an alternative to bankruptcy.  You will also receive many winning correspondence strategies to help you with collector's demands for payment.

Don't waste another second of your time, everything you need to fight and win your creditors is right in front of you and right here.  Over 10,000 collection suits have been fought using these winning strategies that we will be sharing with you for beating your creditors.  You could keep looking around the Internet until your eyes bleed and not find another company like us, or  you could get everything you need right now from a proven company in the debt help industry who has  helped countless people beat junk debt buyers, collection agencies and original creditors.

What you won't find here.

You will not find junk, poorly written documents or bad advice from people who have no clue how to help you.

You will not find useless debt settlement letters.

You will not find dangerous, useless cease and desist letters that make creditors and collection agencies  want to sue you.

You will not find fraudulent conveyance of assets.

You will not find bankruptcy.

The negotiating or debt help strategies we utilize work well for a variety of debts, but the hands-down winner is credit card debt.  The steepest discounts and greatest success can be obtained with credit card accounts. Department store charge cards, financing contacts, promissory notes, business debts and miscellaneous bills can also be negotiated, but with less predictable results and may result in litigation.  Medical bills are often negotiable, depending on the background of the case, usually with good results.  Student loans cannot be negotiated (since these are Federal loans, Uncle Sam can dip into your tax refund to collect the balance). However, we can protect you from wage garnishment and from having your assets and bank accounts levied.  Mortgages can be rescued from foreclosure with a variety of techniques.  Depending on what happens, you may still be on the hook for full value unless you do a short sale or have the foreclosure deficiency negotiated.

We are especially effective in fighting and beating collection agencies, junk debt buyers, ect. Furthermore, these 3rd party debt collectors are NO match for our program.  Therefore, it is highly likely that they will either deem your debt uncollectable or settle for pennies on the dollar.

After 180 days, banking regulations require certain debts to be charged off, or written off, but banks can and do charge off sooner. Why? Ask Uncle Sam. In our program we push the banks to charge off or settle as quickly as we possibly can.  We find that the banks will want to engage a 3rd party debt collector quickly as well, as this allows the bank to sell the debt and get our strategies and disputes out of their way.

A charge off is actually good news for you. When debts become 3rd party debts, you now have the debtors' best friend - the Fair Debt Collection Practices Act.  As far as our process is concerned we will start the validation process on the debt as soon as possible as it is much easier to deal with these kinds of debts.  In essences we can help you, so that if you decide to not pay a 3rd party bill collector the chance of you being sued is very slim if any. Also, once you're in our program, you may decide to wait until the Statutes of Limitations runs out and NEVER pay back the debt.  To find out the details of this process give us a call.

YES. Using the non-payment strategies of Plan B, the employee can drastically reduce his total debt while positioning himself to be immune to garnishment even if he is subject to a judgment lien. Using the pro-active approach or financial strategies of Plan B, the employee can remove the risk of creditor paycheck garnishments altogether.Why subject yourself to this risk when you can avoid it entirely by being in our program?

Yes, we can stop any third party debt collector from contacting you by writing the collector a letter telling them to stop. Once the collector receives the letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action. Please note, however, that sending such a letter to a collector does not make the debt go away. You could still be sued by the debt collector or your original creditor. Get started in the Freedom From Creditor Program and eliminate creditors threatening and harassing tactics.

A debt collector is any person who regularly collects debts owed to others. This includes attorneys who collect debts on a regular basis.

YES. The majority of people do not understand bankruptcy.  Because of the Bankruptcy Reform Act of 2005, bankruptcy is no longer a sure fire way to get a clean slate or a fresh start.  One can not simply walk away from their debts in a Chapter 7 bankruptcy like in times past, because Chapter 7 is almost impossible to qualify for now.  If you are desolate, jobless, have no assets and have no hopes of ever finding a job as you sleep at a homeless shelter, you may qualify for bankruptcy; but don't count on it.   Otherwise the courts will force you into a Chapter 13 and you will be required to pay up to 75% of your debts while a court officer is breathing down your neck and directing your job income until you have completed the full payment plan to your creditors.  Plan B feels that bankruptcy is the worst possible option for you.  Although if you ask an attorney, especially a bankruptcy attorney, they will tell you that it is your only choice because that is how attorneys make their money.

Also in the Plan B Program you will find that you are judgment proof, in which case you do not need to file for bankruptcy to find protection for your property and wages. "judgment proof" means you have so little money, income or property that you would be unable to pay a court judgment entered against you.  Plan B will help you put up so many barriers that most unsecured or secured creditors will see that there is no point to go after you in court and likewise there will be less reason for you to declare bankruptcy. (Ask a representative about why the PlanB Asset Guard is so powerful.)

Keep in mind however, that if you don't keep up with your secured collateralized payments, creditors will take those to help satisfy the debt. For example, creditors can foreclose on your home, repossess your car, and continue there collection efforts. (Plan B will help you take care of the deficiencies on these collateralized loans.  Ask a representative how today)

No, this is a misnomer.  The only way to formally eliminate debt is to pay it off.  Within this process you will learn to settle your debts for pennies on the dollar, properly eliminating the debt by paying it off, but on your terms. It is not a program designed to make debts "disappear."  This is a program that will allow you to fend off your creditor until you decide to pay on your terms and at your price.