American Debt Negotiation’s
Debt Free For Life Program

The American Debt Negotiation debt settlement program, settles your debt by negotiating directly with your creditors.

If you are having trouble paying your creditors, or are only able to pay the minimum monthly payments, our debt settlement program may be right for you. Using our debt settlement program, you can save up to 50% or more on your total debt, and can get out of debt in 3 years or less! Sign up now for a free debt settlement consultation and a personal explanation of our services!

In addition to offering our own debt settlement services and financial consulting, we are also associated with a network of the top debt settlement, debt elimination, debt consolidation, credit repair and mortgage lending companies nationwide.

Debt that would otherwise take you ten, twenty, or even thirty years to pay off, with tens, even hundreds of thousands in finance rate charges, can be paid off in a fraction of the time at far less than you currently owe. We offer various debt settlement methods depending on what is best for your unique situation.

What are my Repayment Options with $30,000 of Debt?

Use our Debt Calculator to find out how much You can save by using our Debt Free For Life program.

Some, in an attempt to protect a "good credit rating" or "payment record", exhaust funds set aside for emergencies or in retirement plans costing thousands in penalty's and taxes. A person in this situation is in reality "renting a lifestyle" and has just 3 options to deal with the situation before they're forced to file for bankruptcy protection.

Option #1: Do Nothing and Continue To "Make Minimum Monthly Payments". As the chart below illustrates, if you’re making minimum payments it would take you over 33 years to pay off a balance of $30,000 and finally, after 33 years, you would be paying 274% of the amount you originally borrowed assuming you NEVER used your credit cards again... and that's not very likely is it?

Option #2: Enroll In A "Debt Management" or "Consumer Credit Counseling Program". The goal of a DMP or CCC program is to establish a "debt reorganization plan" with creditors to pay off your debts. Because these "Non Profit Organizations" work for the creditor as an extension of their collection department, they have a list of predetermined agreements to lower your interest or payment amount. Frequently these new minimum payments are higher than your current payment structure. While some may be able to lower your interest rate to 12%, others refuse to drop below 20% or more. Many times, the end result of this program will force you into bankruptcy.

If you're accepted into one of these programs, they immediately report that you are enrolled in a "financial hardship program" to the various credit agencies. This report is as damaging as a Chapter 13 Bankruptcy to your credit score.

Then you make a monthly payment to the Debt Management Program and they disburse payments to your various creditors in return for a percent of your payment as a "collection fee" or "fair share" contribution. As the chart below illustrates, you would make payments for almost 6 years and pay back 162% of your original debt.

Option #3: Use the power of The American Debt Negotiation team to eliminate debt in 36 months or less. Take a look at this same $30,000 of unsecured debt and the amazing results that The American Debt Negotiation Settlement Program can make happen for you.

The following chart illustrates the primary options you may use to deal with a difficult debt problem. This example has just over $30,000 in total unsecured debt. If you’re in this situation you may even be current on your payments, but using extraordinary measures to stay current. Perhaps you’re using credit cards to pay minimum payments on credit cards or playing the balance transfer game.

American Debt Negotiation’s Debt Settlement Program offers a quicker, less expensive way out.

HOW LONG DOES IT REALLY TAKE TO PAY OFF $30,000 IN DEBT?

Use our Debt Calculator to find out how much You can save by using our Debt Free For Life program.

  Click Here for PayOff Calculator.

In this example, by making minimum payments it will take over 33 years to pay off the total unsecured debt! Unfortunately for you, this is exactly what the credit card companies want because it makes them more money. However you fall into a terrible financial trap that prevents you from ever getting out of debt and reaching your financial goals and living your dreams.

The overall benefits of the American Debt Negotiation Settlement Program to your financial future are astounding! In this example, you enjoy an immediate reduction in the amount you currently pay creditors by $200.00 per month! If you take this savings and set it aside monthly for emergencies, by the time you complete the American Debt Negotiation Settlement Program you will have saved approximately $8,701.53 in cash and eliminate a total unsecured debt of $30,010 for just $15,446.90.

Imagine being Debt Free, having $8,701.53 in cash and eliminating your total unsecured debt for 51% of the original amount! We can help you get started today!

You've also reduced what you would have paid in minimum payments over 33 years by $71,844.10. That's a total savings of 222.8% of the original debt amount! These benefits alone make choosing The American Debt Negotiation Settlement Program a sound financial decision but it gets even better.

By using the power of The American Debt Negotiation Settlement Program your total unsecured debt is paid off within 3 years, allowing you to focus on your important family goals. After we help you get completely out of debt, the same money that you applied to debt elimination through our American Debt Negotiation Debt Settlement Program can now be applied to building assets that can produce income.

By investing the money that was being used to fund your American Debt Negotiation Settlement Program for the next 25 years you can accumulate a total of $1,595,416.25 for retirement, your children’s future or other investments!

The chart below illustrates how much money you are losing by staying in debt.

  Click Here for Savings Calculator

That amount of money is life-changing and should make anyone think twice about falling into the “debt trap.” This "debt trap" keeps most people from achieving financial freedom and peace of mind. The American Debt Negotiation team not only wants to help get you completely out of debt, but we also want to see you become totally financially independent.

If you’re serious about getting out of debt and moving toward financial freedom click here to go to our short registration form. It takes less than 2 minutes to complete and could change your financial future forever.

Or you can call us Toll Free at 866-427-4488. You will receive a FREE, confidential debt consultation with one of our senior debt counselors.

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