Reduce business debts 40%-80% without bankruptcy or litigation.
881 Albany Post Road, Unit 7, New Paltz, NY 12561

   The Process

Our Guarantee


If we cannot get you a settlement that is to your satisfaction, there is no fee.

Debt Settlement – How The Process Works

The entire debt settlement process for each account that we negotiate for you—from our introduction to the creditor to the receipt of the written settlement documents—can be accomplished in as little as a few days.

When you call us you will speak with an experienced Certified Debt Management Professional. If the CDMP determines that your business needs assistance and can truly benefit from our debt settlement service, we will ask you for specific information about your business and your reasons for the dispute or cash-flow problems. This information will allow us to formulate a uniquely designed strategy which enables us to effectively negotiate with your creditors and maximize your savings.

Our goal is to get you satisfactory debt settlements and ones you know you can honor.


  • You are always in control of your money.
  • The decision is always yours to decide how much you can afford to pay and when to pay.
  • You tell us whether or not you need to preserve your relationship with your creditors.


Next, we introduce ourselves in writing to each creditor and their representative, if any (e.g. collection agent or attorney), and inform them that we are now representing your company and all calls and correspondence are to be directed to us. The creditor and their representative if any are informed that a settlement proposal will be sent to them via overnight delivery. Then within three to five business days they receive the settlement offer in the form of a multi-page document that, with tact and diplomacy, “tells your story.”

We never consider any settlement valid until we receive the original, signed settlement documents from the creditor or their representative. All the specific terms of each settlement are included in this document. Included is the amount the account is settled for and when to pay the creditor. If the settlement is to be paid over time, the payment schedule is specified.

Once we receive the creditor’s written acceptance of the settlement we forward you a copy. Since you are always in control of your money, it is up to you to decide whether or not to accept the settlement. If you accept the settlement, you pay our fee, and you receive the original settlement documents signed by the creditor or their representative. You then pay according to the terms of the settlement. Case closed. You are always in control of your money and you always know all the terms of any settlement and receive the settlement in writing before you pay your creditor. If you reject the settlement, the settlement is canceled, and you pay us nothing.


  • Your CDMP has years of training and experience to guide you through the entire process from start to finish.
  • We conduct all negotiations in a professional and diplomatic manner to ensure that you get the best possible settlement.
  • During the entire process you are kept informed of our progress.
  • You may contact us any time for an update.