A debt settlement is an agreement between a debtor and a creditor to fully satisfy a debt for a reduced payoff amount. A debt settlement is usually reached when a debtor is unable to fully meet his/her debt obligations due to financial hardships and attempts by the creditor to collect on the debt have failed. The creditor agrees to cancel part of the debt and accept the remaining sum as full repayment. Debt settlement is also called debt negotiation. Technically speaking, a debt settlement is the agreement while debt negotiation is the process through which both parties reach that agreement.
Consumers who use debt settlement are those who are experiencing legitimate financial hardships, cannot afford to repay their debts through debt management plans offered by consumer credit counseling agencies and who also want to avoid filing bankruptcy. For this reason, debt settlement falls between consumer credit counseling and bankruptcy.
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Edwards - Offers debt reduction services for financially-stressed businesses and consumers.
Meta Description: [ Noel, Thomas & Edwards - Debt Reduction Professionals - we help people to wipe out debts at a discount. ]
Gromann, P.A. - Legal firm specializing in debt settlement and debt negotiation.
Able Debt Settlement - Provides negotiated debt restructuring and settlement services to small businesses and consumers.
Meta Description: [ Debt settlement services from Able Debt Settlement provide debt negotiation, debt management from a leading debt settlement company. ]
Alliance Consumer Services - Debt settlement services offered to both US and Canadian residents.
Meta Description: [ Debt Settlement is the best solution for Credit Card Debt Settlement and gives superior Debt Relief. ]
Alternative Credit Rehabilitation - Consulting firm offering assistance through debt settlement programs.
Meta Description: [ ACR offers credit card debt termination services including credit card charge off to reduce or eliminate your credit card debt legally. ]
American Financial Service - Providing debt settlement services.
Meta Description: [ American Financial Service provides debt settlement services to lower your debt up to 60%. Avoid bankruptcy and save money by making debt settlement work for you. ]
American Finasco, Inc. - Negotiates a financial settlement for a company's past due accounts payables.
Meta Description: [ Business debt management offered by American Finasco can achieve debt relief through a combination of debt reduction and payment plans consistent with available cash flow, avoiding a costly bankruptcy., American Finasco Inc. provides debt management services to assist companies in meeting financi... ]
American Liberty Financial - Offers tailored settlement programs based on client needs.
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Berglas, Hill, Ryan and Associates, Inc - Debt negotiations and settlement company based in Irvine, CA.
Meta Description: [ The Pennies on the debt can help eliminate problem debt.
The site provides general information for those seeking help in resolving problem debt. ]
Business Capital and Debt Solutions - Providing business debt arbitration and commercial funding services.
Meta Description: [ Business Capital breathes new life into businesses by taking the stress, hassle and time out of dealing with cash flow and credit problems. We are changing the way businesses deal with unmanageable debt by seamlessly providing amicable debt relief solutions that accelerate the health of our clien... ]
Consumer Debt Relief Group - Specialists in debt reduction and tax settlement services.
Meta Description: [ Debt settlement and tax debt settlement services from Consumer Debt Group. Our debt settlement program for credit card debt relief and
tax debt and our debt settlement techniques will cut your liability in half. ]
Consumer Debt Solutions - Offers debt settlement and debt reduction services.
Meta Description: [ Free debt consolidation, debt consolidation loans and debt solutions for credit card debt. Consumer Debt Solutions provides proven alternatives to bankruptcy ]
Council of Debt Elimination - Provides debt settlements plus credit education and management.
Meta Description: [ Professional debt management through debt settlement. Settle bad credit card debt. No debt consolidation loans, no bankruptcy, no more collectors and no consumer credit counseling. ]
Credit Care Corporation - Provides debt negotiation and credit repair services.
Meta Description: [ We can help settle your debt, repair your credit and
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for more than 19 years.
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Credit Management Services - Provides debt settlement services to consumers.
Meta Description: [ Debt settlement and negotiation from Credit Management Services. ]
Debt Free After All - Specialists in debt settlement and negotiations for people with no home equity.
Meta Description: [ Debt Reduction is the best alternative to filing and avoiding bankruptcy. Our debt settlement, negotiation, elimination & management program helps you to reduce & eliminate credit card debt. Contact us today at 1-877-534-8900 to enjoy a debt free life! ]
Debt Reduction Group - Debt elimination company based in Bedford, TX.
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Debt Reduction Law Center - Firm's lawyers only handle negotiations in helping to settle debts.
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Debt Regret - Services assist in the reduction of unsecured debt through settlements and negotiations.
Meta Description: [ Debt Settlement - Debt Regret offers the best in Debt Reduction, Debt Settlement, and Debt Consolidation Services! ]
Debt Relief USA, Inc - Offers negotiation program for credit card debt.
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Debt Resource Services - Offers debt settlement services which includes a personal finance coach.
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Debt Settlement America - Headquartered in Plano Texas, firm provides debt settlement programs for consumers.
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Debt Settlement USA - Negotiates debt settlements with consumers' creditors.
Debt Shield Inc. - Debt negotiation and settlement firm.
Meta Description: [ Debt Shield's professional debt settlement and negotiation service eliminates credit card debt, other unsecured debts and provides fast and efficient debt relief. ]
Debt Terminator - Debt plan for UK residents.
Meta Description: [ If you have debt problems we can help ]
Debtxs - Offers debt settlement as an alternative to bankruptcy.
Meta Description: [ Need Debt Relief? Eliminate your debt and avoid bankruptcy with the Debt Settlement experts at DebtXS. Receive a Free Debt Settlement Consultation Today. ]
DMB Financial - Providing individual solutions for debt help through settlements and financial strategies.
Meta Description: [ DMB Financial - your source for debt settlement, debt negotiation, debt elimination and debt consolidation services. ]
DPMC Consulting - Offers credit consulting, debt negotiation and bankruptcy prevention.
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DTS Financial - Provides consumer debt settlement services.
Meta Description: [ Debt Settlement, Debt Negotiation Help, Debt Consolidation ]
Emergency Debt Relief - Florida based firm assisiting in debt relief through settlement programs.
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Financial Tech'nics - Negotiates settlements on debts and contract disputes for both business and consumer accounts.
Meta Description: [ Efficient financial technics for Debt Settlement & Debt Negotiation. Negotiates settlements on debts and contract disputes for both business and consumer accounts. ]
First Debt Rescue - Debt consolidation and individual voluntary arrangements in the UK.
Meta Description: [ An iva (individual voluntary arrangement) can wipe out your debts. Debt management and debt consolidation are other possible solutions. ]
Freedom Debt Relief - Counselors assisting in debt relief through settlement programs.
Meta Description: [ Cut your bills by 40-60% and avoid bankruptcy. Be debt free in 12-30 months. Free 10 min. consultation. No service fees unless we save you money. FreedomDebtRelief.com ]
Freedom Financial Law - Debt negotiations offered from a company owned and staffed by Christians.
Meta Description: [ Debt negotiation, debt consolidation, debt settlement. Save up to 70%. One low payment. Restore credit. No up front fees. Christian company. ]
Fresh Start Solutions, Inc. - Company offers debt settlement and financial coaching features.
Meta Description: [ Fresh Start Debt Solutions is a debt consolidation company, based in New York, that will help you eliminate debt through debt settlement, debt arbitration, debt negotiation, and financial planning. Browse our services or call us at 1-888-4PAYDEBT for more information. ]
Hoffman, Brinker and Roberts - Debt reduction services for financially-stressed businesses and consumers.
Lawgistix LLC - Debt settlement firm offering a free credit report review and consultation.
Meta Description: [ Lawgistix Debt Settlement Program will save you THOUSANDS OF DOLLARS by paying off your creditors for as low as 30% of your account balances, while avoiding bankruptcy. Great alternative to Debt Consolidation. We charge Lower Fees and provide a Service Guarantee! ]
Liberty Consumer Services - Offers multiple debt settlement programs for unique consumer debt loads.
Meta Description: [
Liberty Consumer Services, Inc. was established as a result of the growing need for serious professional solutions to the overwhelming consumer debt problems. Our goal is to provide cost effective solutions to individuals who are either looking to reduc ]
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Marquis Debt Solutions - Company negotiates unsecured consumer debt for pennies on the dollar.
Melucci, Thomas and Brown - Debt negotiation firm offering to resolve problem debt for consumers and businesses.
Meta Description: [ We offer a viable alternative to bankruptcy. Stop creditor calls and settle debts for pennies on the dollar. We guarantee results, or you pay us nothing. ]
National Interest Solutions - Company administrates a debt settlement plan for U.S. residents with at least $3000 in unsecured debt.
Meta Description: [ National Interest Solutions, Inc. It's time to add your name to the list of the many people we have helped... Save as much as $600 for every $1000 you owe. ]
National Legal Debt Centers - Law corporation doing debt negotiations.
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Nationwide Debt Reduction - Offers debt reduction services for US residents with over $15,000 of debt.
Meta Description: [ Freedom Group | Dedicated to a Debt-Free America ]
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Nationwide Debt Services - Settles consumer's debts through negotiations.
New Leaf Financial LLC - CA. based debt settlement services company.
Meta Description: [ Eliminate your debt and avoid bankruptcy with the Debt Negotiation experts at New Leaf Debt. Receive a FREE debt consultation today!, Professional debt settlement makes debt reduction of medical, tax and credit card debt cost-effective for every client. One simple monthly payment will allow you t... ]
Precept Financial Solutions - Dallas based debt negotiation firm.
Meta Description: [ Need debt relief? Discover how debt settlement through debt negotiation can provide you with the credit card debt reduction you need. Debt settlement is a proven alternative to bankruptcy and credit counseling. ]
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Preferred Financial Services - Financial assistance through debt settlement services.
Private Debt Solutions - Debt settlement and negotiation services.
Meta Description: [ Credit Card Debt settlement and negotiation services, get out of debt and save money. Save on your credit card debt settlement with Private Debt Solutions. ]
Provanta - Professional debt settlement assistance.
Meta Description: [ Provanta will negotiate with your creditors to settle your debts for Cents-On-The-Dollar so you can get relief from collectors, and be debt free in a matter of months rather than decades. ]
Rainmaker Bankruptcy Consultants - Business consulting for firms seeking alternatives to Chapter 11 petitions or immediate emergence from bankruptcy.
Meta Description: [ business bankruptcy consultants specializing in prepackaged Chapter 11 workout plans and DIP funding programs for commercial insolvency matters. ]
Settle Your Bill - Debt resolution service that can help reduce your debt.
Meta Description: [ Settle Your Bill is a debt resolution service that can help you reduce your debt ]
Start Over Today - Discusses options for debt reduction, including settlement services.
Meta Description: [ Looking for immediate debt reduction or debt consolidation? Learn the truth about all your options to become debt free. Make your best choices for immediate debt reduction & long-term financial success with STARTOVERTODAY.COM! ]
Superior Debt Relief - Accredited Consultants offering debt settlement and negotiation services.
Meta Description: [ We help you get rid of credit card debt much faster than you may believe possible with credit card debt settlement and negotiation tactics, providing debt relief while avoiding bankruptcy, and helping you to minimize creditor phone calls. ]
The Debt Reduction Group, LLC. - Debt arbitration firm out of Los Angeles, CA.
Meta Description: [ Knockoutdebt offers the best in Debt Reduction, debt settlement, and debt consolidation options. ]
The Waterford Group, USA - Debt resolution and bankruptcy alternative options to businesses, their owners, and shareholders.
Total Debt Services - Debt settlement and credit repair specialists.
Meta Description: [ Total Debt Services provides Credit Card Debt Help, Debt Settlement Programs and Credit Card Debt Negotiation Services. Total Debt Services provides bankruptcy alternatives for Debt and Credit Card Debt problems. ]
Trident Debt Solutions - Debt settlement firm with attorney managed experience.
Meta Description: [ Eliminate credit card debt - Trident Debt Solutions, inc. - If you have more than $10,000 of credit card debt and can make a significant payment toward settling your debts you qualify for our credit card debt elimination program. Call our Toll Free # at 877-304-7600., Eliminate credit card debt -... ]
TrueDebt Solutions, Inc. - Firm offers negotiating services for settling unsecured debt.
Meta Description: [ Debt Solutions: Become debt free within 36 months with our debt settlement, and avoid bankruptcy by negotiating unsecured debt. ]
ZipDebt.com- Manchester Publishing Company - Coaching program for do-it-yourself debt negotiation and settlement in audio CD format.
Meta Description: [ Debt Settlement & Negotiation - Do It Yourself & Save $1000s. ]
National Legal Debt Centers - Law corporation doing debt negotiations.
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