Debt Settlement Directory
Hello All,
You can now find us in the Free Financial Directory in the debt settlement directory section.
-FDN Team
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Why Debt Settlement?
Since we work with the creditors on a daily basis they know our reputation and have experienced our success. 96% of the people we put in the program successfully complete it and are debt free.
The creditors know that people who have a high debt to income ratio struggle to pay their bills and save for the welfare of their families.
If you are unable to pay on your bills for the next 30-40 years, then the creditor realizes you truly only have 3 options.
- File Bankruptcy- the creditor makes 0$’s off of this.
- Sell the account to a collection agency- The creditor sells the account for literally 10-15 CENTS per dollar.
- Take people to court- It takes FOREVER to go through the court systems. Even if the creditors take someone to court there is no guarantee that they will ever see a dime. If people didn’t have the money before you took them to court, they are not going to have it now. You can’t take blood from a rock. Trying to collect Billions of dollars by going to court, only to see a small percentage of people actually pay back the debt, just is not a very profitable way to run a company.
Holiday Cash Crunch
Every year consumers are faced with a decision to either buy gifts during the holiday season or pay credit card bills on time. Many banks report that a majority of missed payments and late payments take place in December and January of the next year. Surveys concluded that this is tied directly to the lack of sufficient cash flow during these months and overspending. The same concept applies when someone that runs into an emergency and cannot make the monthly payments on their credit card accounts.
Time after time we see our clients first start to fall behind or start having late payments to the credit card companies during the holiday season. Late payments result in late fees and over the limit charges all costing more money the coming months to get back on track. In March and April many of our clients are people whom fell behind in December of the prior year and tried for months to catch up eventually leading them to our debt settlement program.
Our debt settlement program is comprised of negotiating with your creditors to reduce the total amount that is owed at the present time by 40-60% or more. Typically based upon your budget and your abilities to repay your debt you can be debt free in 12-36 months or less. Debt settlement is also uniquely designed to lower you monthly payments so that you can afford emergencies and the holiday season without having to worry about neglecting your creditors.
For more relevant information regarding debt settlement and how it can help you visit our navigation bar at the top of the page to explore the solution to being debt free.
What Makes An Honest Debt Settlement Company?
There are plenty of people who only believe in giving the debt settlement industry a bad name. But what people are unaware of, is there are ethical companies that do exist and whose goal is to help people in need of debt elimination.
Many people believe that all debt settlement companies take peoples money and neglect their client accounts and put more emphasis on obtaining new clients and less time servicing their existing clients.
Our negotiators are paid on a commission basis so that we can ensure based upon our prior results and improving settlement trends that our servicing and creditor relationships will continue to advance the savings and settlement opportunities of our current and new clients.
FDN Solutions takes pride in explaining the practices, policies and fees for the program upfront that way there is nothing hidden from the client and they are fully aware of how the program works.
One thing that our clients have advised us of is that many of our competitors spend very little time on the details of debt settlement programs and how it will effect their credit and long term goals. All of the details of the program are diligently covered with the client in order to separate the serious applicants that are looking to reduce their debt from the applicants that are looking for information for the future. Some of the details of a debt settlement program may not be what the client wants to hear however the worst case scenario in a debt settlement program is still better than compounded interest and high monthly payments you will pay on your own. FDN Solutions 94.27% retention rate has everything to do with the upfront and honest explanation of the program and what it will require of the client until all accounts are settled.
If you call most debt settlement companies and ask about the fees for the program they become very reluctant to tell you up front. The reason is because most debt settlement companies charge several different fees such as a flat fee plus a portion of the savings and a management fee in order to equal a number so large it is best leave unmentioned and slide it in later. Not FDN Solutions. We charge only a flat fee of 15% of your total amount of debt. which is not collected up front but rather structured out over the program so that you can settle with your creditors sooner as opposed to later. This is the second major factor in our very low dropout rate.
FDN Solutions battles daily with creditors, regulators and media colleagues in order to show proof of the debt settlement program results and how an honest debt settlement company like FDN Solutions does a superior job of walking the client hand and hand through the program to a debt free life. Give one of our Debt Consultants a call to discuss your financial situation and see if debt settlement is right for you.
**Free 10 Minute No Hassle Consultation 1-866-791-2455**
Must have at least $10,000 of unsecured debt.
Debt Settlement And Retirement
Our clients are comprised of people of all occupations. We have civil service clients, accountants, professional athletes and even financial planners that get paid to help others manage finances. For one reason or another they may be able to make a plan and tell some one to stick to it but lack the ability to remain diligent and stick to their own plan for retirement.
With personal savings at an all time low having a plan to live debt free at retirement is very important. You may have a percentage of your income going towards your 401k or other savings plan but you will need to take into account that you will need your expenses to be very low in order to live on your retirement savings. As an example if you are receiving a pension of $2,000 per month when you retire and your bills amount to $3,000 then you will need to supplement that income to keep the lights on. This is where the personal savings will come into play. You can use that money that you set aside every month to help you with the bills and other medical expenses.
When you retire after 25-30 years of mortgage payments you will own your house. This is great because you no longer have the mortgage as a monthly expense. If you have credit card debt though it can be a very precarious situation. Even 30-40k in credit card bills can cost you $1,000 + dollars per month. Debt settlement can be an effective way to reduce your debts so that at retirement age your hard earned savings can be used to enjoy life as opposed to paying your debts.
Free consultation by calling 1-866-791-2455.
Settle Credit Card Debt
Debt Settlement is a proven solution for consumers who want to avoid bankruptcy but cannot afford high interest debt consolidation loans or have little ability to pay their creditors in full. Debt Settlement is an alternative for those looking to avoid bankruptcy and costly debt consolidation programs. We help consumers who are facing financial hardship Avoid Bankruptcy with debt settlement services.
If you qualify for our debt settlement program one of our certified consultants will work with you to create a monthly budget for getting out of debt. The debt settlement program is designed to reduce your monthly payments up to 30-50% of your current minimum payments. The goal of the debt settlement program will be for you to work together as a team with one of our debt settlement specialists in order to achieve a settlement of less than the current balance owed. Most often debt settlement programs result in savings of around 40-60 cents on the dollar. Our monthly payment requirements and the length of time for the debt settlement program can be determined by contacting us today.
Credit Card Debt Settlement
Our debt settlement program helps people that have amassed to much credit card debt and lower monthly payments. Credit card debt settlement can reduce your debt by 40-60% and have you debt free in 12-36 months or less. Our programs are custom fit to suit your needs and have you debt free faster than most other debt settlement companies. We are able to achieve lower settlements for our clients than the average debt settlement company because of our commitment to relationship building with the creditor and our fee structure on our client accounts. Our fees are stretched out over the duration of the program allowing you to pay off debt sooner than later. For a free analysis call 1-866-791-2455.
Online Debt Settlement
Credit card debt is found across America and most debt settlement companies welcome local consumers to their area to come into their office for a free consultation regarding getting out of debt. Not all credit card holders and consumers in financial crisis live nearby a reputable debt settlement company. These consumers that are geographically challenged can reap the benefits of online debt settlement programs and working with a professional online debt settlement company in order to reduce and eliminate the total amount of unsecured debt that is owed. Online debt settlement programs can reduce your monthly payments while having you debt free in 12-36 months or less. FDN Solutions LLC is an elite online debt settlement program provider that can work with you to establish a budget to reduce your debt by 40-60%. No credit check is required and no home ownership is required either. Reduce and eliminate your debt with our online debt settlement program.
Call us today at 1-866-791-2455 to lower your monthly payments by 50%!
Huge Credit Card Debt
The term huge credit card debt is typically dependent upon the person stating the term. For someone that makes $35,000 per year $20,000 could be huge credit card debt. On the other side of the coin however many well to do businesses and consumers use credit cards as short term financing for their most recent endeavor and don’t consider $40,000 to be huge credit card debt.