This depends on what your credit history and current credit score are. In many cases settlement will have little impact, and in some cases it will improve your overall credit. Several factors affect your credit score, including your total debt to income ratio and your debt to credit limit ratio. If you weight all the options, debt settlement may be the best option. By the end of the settlement program you may experience improvement in your credit scores because you satisfied the outstanding debt, and your accounts will have been reported with zero balances.

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Yes. When you have successfully finished the program, the debt you placed in our program will have a zero balance. Good cash flow and the ability to pay is what lenders look for. Clients are able to purchase homes, refinance and obtain credit cards, re-establishing their good credit rating.

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We immediately notify the creditors that we represent you, and they are put on notice to direct their calls and communication to us. Our experienced staff is extremely knowledgeable in your legal rights as a consumer, and we demand the creditors to adhere to such laws. It is our job to manage your accounts, handle the creditor calls, and take the stress and the burden off of you. We are here to protect your rights, and we will make every possible effort to get the best outcome for you.

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Most people would enlist the help of a specialist if they needed something outside their area of expertise. For example, if you needed a tooth pulled, you would go to a dentist, and if your car wasn't working properly, you would most likely take it to a mechanic. Creditors are experts in using tactics to get you to pay, and unless you have knowledge of the credit and collections industry policies and procedures, and the laws that apply, your results may not be what you had hoped for. We are experts in debt negotiation – that is all we do. With our skill and expertise and the leverage of multiple clients, we can facilitate lower settlements and you will not have to endure the stress of the creditor calls.

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Private Debt Solutions’ (“PDS”) program will depend on the amount of your monthly installment. To accelerate the debt settlement process, you may contribute funds beyond your monthly payment at any time. However, this is not necessary. One of our debt specialists will help you determine an affordable payment within your budget. Debt Help is here for you, just call us at 1.866.998.3328 or fill out our free quote online

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You must have $10,000 or more in unsecured debts and be able to maintain enough monthly income to make regular payments towards settling it. Also, you must be committed to becoming debt free and understand the process of our debt settlement program. Contact us now to determine when your debt settlement program will begin.

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PDS will calculate your total amount of unsecured debt and charge you one flat fee based on that amount. Unlike many other companies, we DO NOT charge a down payment on the fee upfront. We earn our money along the way as we are settling your debts. Please call one of our debt specialists at 866-998-DEBT (3328) for a full explanation of our debt settlement program. We offer debt help privately and professionally, our debt specialists have over 10 years experience and can help you now.

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YES! "If" PDS is unable to settle an enrolled account, PDS will refund an amount equal to the service fee charged on that specific balance at initial enrollment. Remember, you must have sufficient funds to settle the account in order to be eligible for the guarantee.

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YES - Our name says it all! Private Debt Solutions maintains your confidentiality at all times and is bound by "Rules of Professional Conduct". We only disclose information to those persons that you have authorized. All creditors that you have contracted us to settle with on your behalf will be contacted by us and advised that you have retained PDS to represent you. All information is considered highly confidential and personal. Please see our privacy policy.

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Your creditors can respond to you by mail. If you receive any correspondence, you should immediately contact Private Debt Solutions and report this correspondence. We will handle all of your creditors and collectors on your behalf.

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Secured debt is any debt that is collateralized by another asset. Examples are: car loans, home equity loans and credit cards secured by a bank account. If a debt is secured the creditor has the right to sell the asset in order to satisfy the debt. We negotiate unsecured debt only. There are exceptions, such as a car loan balance left after repossession. In this scenario the secured debt becomes unsecured and is then negotiable. Unsecured debt examples are: credit card debt, medical bills, department store credit cards, oil/gas credit cards and personal unsecured loans.

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