If you’re drowning in high interest credit card debt and struggling to keep up with minimum payments, Advanced Credit Therapy can help you breathe again. Our program is a great choice for people with high levels of unsecured debt who are struggling with financial hardships, like a divorce or job loss. If you’re barely keeping up with your minimum payments and the balances on your accounts keep growing, then our program may be right for you. Why fight a losing battle against rising debt, when our debt relief services can help?

Yes, the debt forgiveness program is legal and operates within the guidelines of established laws and banking policies

Debt forgiveness helps reduce 40%-70% of  your overall balance. In this process, your debt is negotiated down, so you end up paying less than what you originally owed. The creditor agrees to forgive the remaining amount, which is known as a settlement.

Our program is easy to understand. We can help you forgive 40% to 70% of your credit card balances and unsecured loans, including the principal and interest amount.

Our team of paralegals follows specific standards and procedures. They respect bank policies while contacting your creditors to negotiate reduced balances. Once an agreement is reached, we’ll inform you of the forgiven amount, which will be between 40% and 70% of your total debt. 

Additionally, our paralegals will offer you various payment options for the remaining balance that you are responsible for. After you choose the option that works best for you, our team will set up your payments directly with your credit card company.

We cover most debt, including:

Credit Cards
Unsecured Personal and Business loans
Lines of Credit
Medical Bills
Much More: Collections, Repossessions, Private Student Loans

If you’re unsure about whether your debt would qualify, just give us a call.

You can enroll as many accounts as you want! You can include all accounts with balances and high interest rates, or you can choose to enroll just some of them.

Yes, you can! The debt forgiveness program is legal and adheres to specific laws and bank policies. Many of our clients have successfully obtained credit cards and loans from the same bank again after enrolling.

If you have high credit card debt, your credit utilization ratio is likely high, which can lead to a low credit score. While enrolling in the debt forgiveness program may cause a temporary decrease in your credit score, it is our obligation to help improve your score within 2 to 6 months as part of the program.

By enrolling in the program, you’re likely to reduce your overall debt, which can improve your credit utilization ratio over time and positively impact your credit score.

It’s simple! Just contact us for a free consultation. We’ll review your credit report and discuss your goals, so you can see how our services can specifically benefit you. Your journey to better credit starts with one call!