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Shredding the debt concept, bad credit history

Debt settlement is the fastest and least expensive option to get out of debt.

Many people under significant financial strain are unable to pay their bills and find themselves faced with the prospect of bankruptcy. Bankruptcy is not the only option though. Debt settlement allows you to negotiate with your creditors to reduce the total amount of unsecured debt that you owe so that you can eliminate your debts without having to declare bankruptcy.


Debt settlement is the fastest and least expensive option to get out of debt for people experiencing serious financial strain without filing bankruptcy. Debt settlement provides an effective means of resolving outstanding debt by reducing your total debts and allowing you to become debt free within a realistic time frame.

Debt settlement is a process in which people in debt and their creditors negotiate a settlement of an existing debt for a lower amount than the balance of the debt owed. If a debtor is under a financial hardship, creditors are usually willing to settle a debt owed because if the debtor is forced to file bankruptcy, then the creditor generally receives nothing.


Debt settlement companies negotiate with the creditors on behalf of the client to settle for an amount less than the balance owed. The debtor then makes a settlement payment for the agreed upon amount. Once the debt has been paid in full on the settled amount, the creditor will send a letter stating that the debt obligation was fulfilled, and will report to the credit bureaus that the debt has been “Paid”, “Settled”, or “Settled for less than full amount.” As each account is settled, that debt is eliminated and gone forever.

See what Mastercard says about Debt Settlement. Read the article.

Contact DebtRX now to begin the process of debt settlement and start becoming debt free today! Call now for a free, no obligation analysis 1-866-601-7857 or Start online now!


Debt Settlement Debt Negotiation works by negotiating the balance owed on your unsecured debt so the amount paid is less than owed. We design an affordable monthly savings plan and your savings are used to obtain a deal from your creditors.

Most likely, yes. Any time you are behind, with or without a program, you will receive calls. However, many creditors are accommodating. Additionally, calls may reduce after the original creditor receives a detailed hardship letter from you.

Debt Settlement or Debt Negotiations effect on your credit score will depend on your current credit status before starting any settlement program. Very few people with debt problems have perfect credit and debt settlement is meant to be a hardship program.

About Our Company

We are the Debt Rx and are one of the longest operating Debt Settlement and Debt Negotiation firms in America. We are not the largest, because our focus has been more on personal attention and service of existing clients than that of enrolling new ones.