Creditor Offers is designed to open a dialogue between you and your creditors. In general, your creditors want to help you get back on your feet and are willing to offer many types of concessions like refunding fees or lowering balances. Creditor Offers makes it quick and easy to find…

It’s quite simple. We contact your creditors on your behalf. Present your situation to them and get you obligation-free offers. We contact two creditors at a time in any order you’d like. We typically suggest starting with your largest balances or most delinquent accounts.

This really depends on the individual creditor, type of debt, and stage of delinquency. For example, if your account is in good standing (i.e. you’ve been making on-time payments), offers are generally fee refunds, lower interest rates, or payment deferments. If you are behind on payments, you’ll likely be offered…

There are no additional fees associated with Creditor Offers but we encourage and appreciate “tips” based on successful offers. Tips are an important part of our business model and help us keep the lights on and build amazing technology for you.

A normal tip equals about 15% of what we’ve saved you. If we save you $100, we’d love a tip of $15. Seems fair and reasonable, right? It also works out to be about 90% less than a traditional provider.

This is not a “traditional” debt settlement program, but we can help you settle your debts for less than you owe by getting individual offers from your creditors.

Here are just a few key differences…1) we don’t charge ridiculously high fees, 2) we start contacting creditors immediately, 3) we’ll get more than just settlement offers, 4) we don’t require a special bank account, 5) we don’t have high-pressure salespeople, 6) we don’t sell your personal information to other…

This is not a “traditional” debt management program as offered by Credit Counseling Agencies, but we can help you lower your interest rates by getting individual offers from your creditors.

Here are just a few key differences…1) we’ll get you offers that including settling for less than you owe, 2) we work with all types of creditors and account types, 3) we don’t require you to close your accounts, 4) our offers are more flexible.

We will handle the payment for you, free of charge. There is no need for you to ever speak with your creditor. We also provide you with the necessary paperwork with payment instructions in case you prefer to set the payment up yourself.

This is a tricky question. We’ll help you manage and reduce the stress associated with collection calls but we don’t want to block them completely. Blocking communication from your creditors increased the probability that they will sue you and makes it harder to get great, money-saving offers.

Your situation is unique and creditor’s policies and offers are always changing. So in order to get you the best and most accurate offers, we need to contact each creditor individually.

Our real-human experts will be at your fingertips each step of the way.

When the news broke in October that Google had announced its crackdown on scam ads from debt settlement, debt management and credit repair services, I took notice. These services have long had a bad reputation in the financial services business — sometimes deservedly and sometimes not — and the fact…