Resolve your debt today!

Step 1: Talk to one of our debt professionals

It’s free, it’s easy, and there’s no obligation to get your Debt Relief Evaluation. Submit the request form and one of our Debt Specialists will contact you directly to review your financial situation. Find out whether our debt management program is the right solution for you. 

Step 2: Enroll in our debt settlement program

If you’re eligible for our program and decide it’s the best option for you, our professionals will get to work customizing the best plan for you. There are no upfront costs to get started.

Step 3: Make one affordable monthly program payment

Once the terms of the program are confirmed and everyone signs off on it, you make one monthly program payment to an FDIC-insured savings account you control.

Step 4: Watch our team negotiate for you

After you have put enough funds into your account, our team will begin negotiating on your behalf and settle your debt for less than you owe. Finally, you can relax and breathe a sigh of relief, knowing that your debt will go down at a manageable rate. As your creditors are paid off, they will report to the credit rating bureaus a zero balance due.

Benefits of Choosing Debt Settlement

Debt settlement isn’t a magic wand; you can’t wave it around and make debt disappear. What you can do with it, however, is work through debt on a path from financial frustration to financial freedom. A debt settlement program with American Credit Card Solutions gets you out of debt faster, in a way that makes sense for you. We believe in honesty and transparency, so we won’t tell you the process is fun, but we can tell you that our program means one monthly payment and faster debt repayment.

Is It Worth It

Are you struggling to make the minimum payments on your debt? Are you considering bankruptcy as a potential way out of your mounting financial burden? If so, debt settlement may be the right option for you. Our debt settlement program is specifically tailored for people who are struggling to pay large amounts of unsecured debt (from things like credit cards or medical bills). It is not a solution for secured debts, such as a mortgage or auto loans.

Debt settlement is worth it if:

  • You owe $10,000 or more in unpaid debt
  • You can’t afford the current minimum monthly payments
  • Your credit is suffering due to unpaid debt
  • You’re trying to avoid bankruptcy
  • Experiencing financial hardships, such as unemployment, medical expenses or a death in the family

Frequently Asked Questions

Debt settlement is a method of paying off your debt, often at a reduced amount negotiated with your creditors.

Initially, your credit will suffer. Your unsecured debts will go unpaid for a period of time as your creditors are informed that you are in a hardship situation. However, as your debts are paid, your credit score will begin to rise.

Negotiations typically don’t begin until a few months after your debt settlement program has started. After you enroll in our program, you begin making payments into an FDIC-insured savings account that you control. Once enough money has been deposited, we begin negotiating with your creditors to reduce the total amount owed. The start of the negotiations depends on several factors including the number of creditors, how much you owe and how much you can afford to pay monthly.

American Credit Card Solutions stands by the rules and regulations of the Federal Trade Commission (FTC). When you enroll in our program, we do not charge any upfront fees. There is no cost to enroll in our debt relief program. We also provide our initial consultation at no cost and no obligation to you. Your success defines our success, so it is essential that our program is the right solution for you.

The best way to know if you qualify for our program is to share your situation with one our friendly and knowledgeable Debt Specialists.  In the meantime, below are a few signs that you may be an ideal candidate for our debt settlement program:

  • You owe $10,000 or more in unsecured (i.e. no collateral) debt
  • You are having difficulty either maintaining or are falling behind on the monthly minimum creditor payments
  • You have multiple credit cards that are either at or near the maximum allowable limits
  • You are trying to avoid bankruptcy
  • You are experiencing one or more financial hardships, such as unemployment, medical expenses or a death in the family

There are also eligibility standards that relate to the types of qualifying debt.  For example, child support debts, car loans and mortgages are typically ineligible for our debt settlement program. However, major credit card bills, department store credit cards, installment loans, medical bills, and the like are debts we can assist you with.