One-on-one negotiations with creditors and bona fide offers to settle an account cannot typically begin until funds are available for settlements.

Once you have sufficient funds in your savings account (or have access to funds through any other means) Certified Debt Arbitrators begin presenting offers to your creditors. They often begin with offers as little as 10% of the dollar amount owed. 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 Arbitrators, 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 the debtor client's final approval) or if a counter offer is reasonably in the ball park that should be considered, the Certified Debt Arbitrators will contact you to inform you of the offer. They may also offer our 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 their opinion.

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 your written permission to enter into the agreement and obtain a written settlement agreement from your creditor.

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