Client Login Contact Us Customer Support (877) 820-2957 Custom Debt Relief Plan (877) 820-2954 Debt Settlement Our debt settlement program allows you to take a breath of relief: lower total debt balance, payments you can afford and faster pay-off. Credit Counseling Debt Consolidation Debt Settlement Cash-Out Refinance Bankruptcy Debt Settlement as a Debt Relief Strategy Almost everyone finds themselves in debt eventually and, when you do, asking for help is a good idea. Believe it or not, being unable to pay your debt off immediately doesn’t mean you’re destined to run from creditors the rest of your life. There may not be a pot of gold at the end of the rainbow, but the yellow brick road of financial freedom is shining with possibilities. You just need to know what those possibilities are. What is debt settlement? Debt settlement is a debt relief strategy that helps you pay your creditors off in a manner that fits your finances. By letting your creditors know you are having a financial hardship, you are giving them impetus to release some of that debt – usually in the form of forgiving or reducing a percentage of your current balance. How does debt settlement work? When you start a debt settlement service or program, any monies that you might use to pay off your creditors goes into a bank account. During that time, while the bank account is growing, your debt relief representatives will be letting your creditors know that you are experiencing financial hardship and are unable to pay your bill in full. They will also be negotiating with those creditors to settle on a fixed payment amount (which is why it’s called debt “settlement”). How it works for you is that the monthly amount you pay into the bank account is affordable. It’s adapted to fit your income level, so you don’t struggle to meet your payments. Does debt settlement affect my credit? Yes, debt settlement services will affect your credit. Depending on the number of creditors and your current credit score, it can affect your score. However, when you can’t afford even the minimum monthly payments, debt settlement is the next best thing to a trampoline. It helps you get caught up on your debts and, eventually, can return you to a better credit standing. Is debt settlement the right debt relief strategy for me? Debt settlement isn’t for everyone, but is it right for you? It may be the best debt relief strategy for you if: You are already delinquent on your bills You are in a state of financial hardship, such as loss of job, divorce or unplanned medical expenses You have over $10,000 of debt You are considering bankruptcy When creditors are calling, it’s hard not to panic, but you have options. Debt settlement may be the option that puts your feet back on the road to financial freedom. Contact us today to see if debt settlement is right for you. It’s time to act! Stop sinking into the quicksand of increasing debt. In just less time than you might think you could have financial freedom. Contact one of our debt professionals today to find out if our debt relief program is right for you. Get Your Custom Debt Relief Plan Will not affect your credit score Home Our Program Debt Settlement Program Benefits Is It Worth It FAQs Debt Relief Strategies Credit Counseling Debt Consolidation Debt Settlement Cash-Out Refinance Bankruptcy How it Works Benefits About Us Testimonials Past Examples Locations Affiliates & Service Providers Contact Us Client Login Terms of Use Privacy Policy Credit Profile Authorization eSign Consent Act /americancreditcardsolutions /americancreditcardsolutions 5275 Westview Drive Suite 120 Frederick, MD 21703 Customer Support (877) 820-2957 Hours: Monday through Thursday: 9 AM – 6 PM ET Friday: 9 AM – 5 PM ET Saturday and Sunday: Closed Custom Debt Relief Plan (877) 820-2954 Hours: Monday through Sunday: 24/7 Actual results will vary based on individual situations and your ability to save sufficient funds. Debt resolution calculations and results demonstrated within are examples of past performance and are not intended to be a guarantee of any future settlement results. The American Credit Card Solutions program doesn’t assume or pay your debts, repair your credit score, or provide tax, legal, or credit repair advice. Success in our Debt Resolution program is highly dependent on your ability to save a specified amount consistently each month. Our services aren’t available in all states. Please make sure you review and understand all program materials before you enroll. American Credit Card Solutions Programs are intended for individuals facing a financial hardship. ©2021 American Credit Card Solutions Terms of Use Privacy Policy Credit Profile Authorization eSign Consent Act