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We work directly with your creditors to negotiate reductions in your total unsecured debt balance. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. Settle debts for pennies on the dollar. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. Just having objective third party intervention can set the tone for amiable resolution. Our fee is a small percentage of the amount we save you. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. Don't consolidate your debt, negotiate your debt. We offer you a viable alternative to bankruptcy and expensive consolidation loans. Don't consolidate your debt, negotiate your debt. The more energy you expend worrying, the less work you get done, the less money you make, and the less you can afford to pay your creditors. 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