One-on-one negotiations with your creditors and bona fide offers to settle an account cannot typically begin until you have funds available.

Once you have sufficient funds in your settlement savings account (or have access to funds through any other means) a Certified Debt Arbitrator can begin presenting offers to your creditors. We often begin with offers as little as 15% on the dollar. At the very least, these low offers show good faith and begin to open the doors to dialogue and counter offers.

First, an offer is presented to your creditors by a trained Certified Debt Arbitrator, usually one that already has a relationship with the creditor. This offer may be accepted or a counter offer may be offered by your creditors.

If the creditor accepts the offer (subject to your final approval) or if a counter offer is reasonably in the ball park that should be considered, the Certified Debt Arbitrator will contact you to inform you of the offer. The Certified Debt Arbitrator may also offer their opinion if they think the offer is good for the particular creditor or if they feel you should consider holding out for a better offer.

Opinions are based on experience with hundreds, perhaps thousands of previous negotiations and previously approved agreements; therefore, you can rely heavily on the opinion o a Certified Debt Arbitrator.

You always have the final decision to accept or reject any offer. Once, you agree to accept the settlement offer you will need to provide the Certified Debt Arbitrator your written permission to enter into the agreement and obtain a written settlement agreement from your creditor.

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