Why my approach is your best choice when it comes to debt settlement…


Why do you negotiate via 3-way conference calls?

Most debt settlement companies represent you via a power of attorney. Most companies also advise you to ignore your creditors. When this approach is taken, you're in the dark with no idea about what's going on. You lack the proper ability to gauge the tone of the negotiation and conversations so you may best decide on when to agree to a settlement.

Furthermore, creditors greatly appreciate a scenario when the consumer is participating in the conversation. This appreciation promotes cooperation. And by having me with you on the call throughout the conversation, I'm able to protect you from putting your foot in your mouth and by leveling the playing field to ensure that you're taking the most strategic approach possible.

Additionally, I take a very laid back and friendly approach when we're communicating with your creditors. Although, please don't underestimate my assertiveness. If we need to go up the ladder to get what we need to solve your problem, that's exactly where we're going. I just make it a point to be as friendly, diplomatic, and professional as possible every step of the way.

When participating in my service, you're the one who makes the decision about when to accept the settlement. You also pay your creditors directly. No monies are funneled through my business aside from my fee.

And the way my contract is designed, the only way I earn my fee is if you agree to and pay a settlement. So if you don't like the end result and decide not to settle any of your debts, you owe me nothing.

I also don't put any limits on the quantity of calls that I participate in. I make myself available as much as you and your situation require.

Do I work directly with you the entire time?

You do. I offer a very specialized service that isn't scalable without diminishing the quality of service. Your situation is just too important and it deserves the value that it will receive by working directly with a true expert throughout every step of the process.

Why don't you offer a long-term debt settlement plan?

According to the FTC, less than 10% of consumers who enroll into a long-term debt settlement program settle all of their enrolled debt (please see the first paragraph on the second page to reference the 10% figure). Long-term debt settlement programs are unreliable because they commonly require you to financially ignore your creditors for years.

It is important that you understand that your creditors are not going along with the idea of being financially ignored for years. They want to collect their money yesterday, not 3 or 4 years from now.

So the approach makes you vulnerable to a host of problems that may have devastating effects on your financial future.

I don't feel it is in your best interest to expose yourself to these vulnerabilities. Especially when the reported success rates give you a 1 in 10 shot at being successful.

To learn more, please refer to my 4-part series on debt settlement to gain a better understanding of how debt settlement works.

What is your average settlement percentage?

This information represents every enrolled account for my completed clients from 1/1/2012-6/15/17.

The percentages represent the percentage of the balance that was paid.

The percentages are based on the balances at the time of enrollment.

Average settlement percentage for ALL settled accounts:

  • Avg. Settlement: 35.61%
  • With my fee: 44.26%

Average settlement percentage with unenrolled accounts paid in full:

  • Avg. Settlement: 36.86%
  • With my fee: 44.75%

The average fee was calculated based on 12.5% of savings.

My average debt settlement percentages are not intended to be a guarantee of any future settlement results.

What are your fees?

I charge no upfront fees and never have. The only fee I charge is based on what I save you.

I lower the percentage of savings charged so my fee remains reasonable for my more-indebted clients.

I charge 15% of what I save you if your total enrolled debt is less than $150,000.

I charge 12% of what I save you if your total enrolled debt is between $150,000 and $299,999.

I charge 10% of what I save you if your total enrolled debt is $300,000 or more.

The savings is determined by subtracting the settlement amount from the balance at the time of enrollment. Any fees or interest that your creditors add to your accounts after I am hired will not be considered part of the savings when determining my fee.

How long does your service typically take?

From 1/1/2012-6/15/17, the average time to complete my debt settlement program is 108 days. The length of time is generally dependent on your financial resources and the stage of your delinquency.

If I use your settlement service who do I make my payments to?

You pay your creditors directly. Once the settlements have been reached, I will provide you with settlement letters from the creditors that outline your financial arrangements. These letters will simply explain that your accounts will be settled in full and will have a zero balance once you have paid the agreed-upon amount. The only funds paid to Debt Relief á la carte are for my fees.

Is there a minimum amount of debt required to enroll in your service?

There is not. If you have delinquent accounts that you would like help with, please feel free to contact me.

What types of debts can be settled?

I can attempt to settle on any type of unsecured account. Unsecured represents any account that you have that is not secured with collateral. Such accounts are medical, credit card, installments, lines of credit, legal bills, collections, deficiency balances on repossessed cars, or even deficiency balances on foreclosures.

Tell me about your guarantee...

One of the main reasons I just offer my debt settlement service to those who can settle their debts right away is so I can offer the maximum amount of protection to my clients.

By negotiating with all of your enrolled creditors at the same time, with the goal of settling them all at the same time, I create the opportunity for you to know what your actual outcome will be, before you spend any money.

The worst case scenario: you may have some available settlements that may not be low enough to allow you to settle. In this situation I give you a choice:


  1. We can continue negotiations with all of your creditors while we attempt to gain the cooperation of the less negotiable one(s).
  2. Or you may choose to settle the ones that make sense and we can continue to negotiate the remaining account(s) to make a lower settlement.
  3. Or we can negotiate a payment arrangement for you free of charge.
  4. Or you may unenroll the account(s) from my service, so you may save up additional funds to settle it/them in the future.

In the event that you do not like the result and choose not to settle any of your debts, there will be no charge.

Do you have examples of what you have done in the past?

Review some of my debt settlement success stories to get a better understanding of how my service works.

What are Debt Relief á la carte's lifetime success rates?

You may view a breakdown of my success rates here.

What are the important things for me to think about when considering debt settlement for my situation?

In Part 3 of my 4-part debt settlement series, I cover these things. Ranging from the impact to credit, potential taxes, potential interest, to how debt settlement could cause negative reactions from your debt collectors. If you're contemplating settling your debts, please read this page if you haven't already.

Do you offer free consultations?

I do. Please feel free to call me at 1-800-354-9102 or contact me to schedule your appointment.

What if my resources are limited?

If your accounts are not yet charged off, the first thing you should consider is how many debts you can settle right away and if re-aging (bringing the account current and maintaining payments) the remaining accounts will lower your monthly expenses enough to solve your problem.

The advantages to this approach are - you will gain control over your finances by lowering your monthly bills, you will resolve your delinquencies and begin to recover, you will have active payment history reporting to your credit report (which in theory will help you rebuild your credit score more quickly), and you will avoid the risks that are associated with settling your debts over a long period of time.

Learn more about re-aging and why it may make sense for your situation.

If your accounts are charged off and you lack the financial ability to resolve ALL of your delinquent accounts at the same time, you should evaluate how old your delinquent accounts are and then calculate how long it will take you to accumulate a total of approximately half of what you owe.

You should then weigh this information and compare it to the 7-year credit reporting period. How old will your delinquent accounts be when you are able to resolve ALL of them?

If your accounts will be beyond 5 years old when you are able to resolve ALL of them, you will receive very little benefit, recovery-wise, when resolving them.

It generally takes 2 years after resolving your FINAL delinquent account to reestablish your credit to the point to where you should be able to finance a home or a car for reasonable interest rates when recovering from paid or settled collections and charge-offs.

If your accounts will fall off in 2 years or less, your end result, when it comes to your recovery and reestablishing your credit, will be similar to resolving your situation except without having to spend any money.

If you will be able to settle ALL of your delinquent accounts when they are less than 5 years old, you may want to consider waiting to negotiate your accounts until you are in the financial position to being able to negotiate ALL of them simultaneously.

Since such a low percentage of accounts are collected in the debt collection world, previously paid or settled collections and charge-offs on credit reports can create non-beneficial reactions from debt collectors that could be detrimental to your goals. For more information, please see my write up on debt settlement pros and cons.

If your accounts are less than 5 years old and you're unable to generate enough funds to solve your entire delinquent problem within 12-24 months, you may also want to look into bankruptcy. People who file for Chapter 7 bankruptcy generally recover, credit-wise, within about 2 years time. So instead of languishing for years, if you filed bankruptcy, you could begin to rebuild and recover much more quickly. Please see my write up on credit after bankruptcy for more information.