We cannot offer credit card debt relief to every customer who comes our way--but we do everything in our power to make it possible. First, if you have no money left in your bank account and no impending salary, it can be difficult to make a negotiation. A creditor needs to know that you'll be able to meet the terms of a negotiation.

However, if you have a part-time job that brings in only a few hundred dollars a month, this could be enough to satisfy creditors. It depends on the nature and amount of the debt. Every situation is unique, so contact us and we'll determine how to best negotiate your debt with creditors.

Even if you are able to borrow money or sell off certain assets, this might be enough of a bargaining chip. So long as you have some capital coming in that will allow you to begin a new payment plan, we can negotiate on your behalf. Tell us about your complete financial situation so we'll have the full picture when we head to the bargaining table for you.

Another factor to take into consideration is the amount of debt you owe. If a debt total is less than $10,000, it is more difficult to negotiate with creditors. They may still shave off a small amount of money, but not as much as they would for a debt that is over $10,000. If your debt is just a few thousand dollars, it may not be worth your while to negotiate a new debt settlement--though this is not to suggest you should create more debt until your debt reaches $10,000 or above. A $50,000 credit limit can be tempting, but be careful. Let us help you decide which course of action is best--give us a call and tell us about your situation.