An online California debt settlement company is a perfectly legal solution for consumers who are in debt. Debt Settlement is a perfect solution for those considering bankruptcy. The debt settlement process begins with the negotiations; the debt settlement company speaks with the creditors to reduce the overall debt into a manageable lump sum payment that works best for the client. California debt settlement cases usually involve unsecured debt. Unsecured debt consists of medical and credit card debts. Most debt settlement companies cannot work with student loans, auto financing and mortgages because they are secured debt. Secured debt cannot be negotiated because they are privatized. Collection agencies (junk debt buyers) work by agreeing to take less than the owed amount to the creditors since they bought the debt at a fraction of the overall cost. Most good debt settlement companies can cut the balance of the debt by 35-50% and then pay the creditor with a lump sum to resolve the debt amount.
Most creditors do not care what situation the consumer is in, at Pay As You Settle (PAYS) we know there are multiple reasons to be in debt. We have helped people that have been swamped with medical bills because they have lost their insurance do to the economy. At PAYS our negotiators are always willing to listen to your circumstances. We listen before any action is taken and our program negotiates a reasonable settlement for you, the consumer.
We know that California is a a beautiful state to live and the cost of living there is high. Many times the only way to pay for certain items for your home is the credit card. At PAYS we understand this and realize that credit card debt becomes over whelming. This happens to everyone from Pasadena to Stockton and we want to let you know that we are here to work with you. At PAYS we work with your creditors to negotiate a smaller bill so you can pay what really matters. The California Debt Settlement process is completely legal and an alternative to bankruptcy.
Our debt settlement program is free* for consumers with any amount of debt. Earlier this year the FTC passed a law stating that debt settlement companies cannot charge the consumer until services are rendered. If you need help with your debt, fill out the form on the left or call 1-877-849-5710 to talk to our debt settlement negotiators.
*Debt settlement program is free until services are rendered
