Resolve your debt today!

Step 1: Talk to one of our debt professionals

It’s free, it’s easy, and there’s no obligation. Find out whether our 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.

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


What is debt settlement?

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

How will debt settlement affect my credit?

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.

When do you start negotiating with my creditors?

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.