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Debt
Management
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Priority Financial Management, LLC is an alternative to bankruptcy. We are not a collection agency or a credit counseling agency.
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Read More
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Debt
Settlement
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The debt settlement firm negotiates down your whole principal balance, irrespective of the interest and finance charges creditors try to add on your account.
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Debt
Calculator
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Use this great debt calculator to figure out your debt
settlement needs.
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Start Calculating
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Debt Settlement Program & Guarantee: |
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| WHAT IS DEBT SETTLEMENT? |
Debt settlement is a process of debt negotiation that allows a debtor to reduce the amount owed on an unsecured debt in order to completely clear the original debt. Most commonly our clients see a reduction of their debt by 50%, which includes our service fees. Unlike many other debt reduction processes such as debt counseling or debt consolidation, which simply reduce insignificant fees and refinance your debt, Priority Financial Management reduces your entire debt, enabling you the client to become debt free in a short period of time. The debt counseling and debt consolidation process can sometimes leave you in a more problematic situation than you were in before. By choosing one of these methods you are often reducing your interest rate by allowing the creditor to hold your property such as your home or auto as collateral. Our debt negotiation process will put you on the right path to eliminate your debt because we reduce all your outstanding debt.
Upon becoming a Priority Financial Management client, you will make one affordable monthly payment into your settlement account, that of which you will decide on with your assigned credit analyst. While your credit analyst guides you through our simple process, we are immediately going to work for you. Without delay, we will contact your creditors and begin our negotiation process. This process is completed only when each creditor reports your accounts as settled with a zero balance. Depending upon the size of your monthly payment and the number of accounts, the debt negotiation process typically has a duration of between 18 and 36 months. Our experienced debt analysts can consult with you when trying to determine the right payment plan that fits in your budget. In a fraction of the time it would take you to pay just a portion of your current debt with debt consolidation, you can be debt free with debt negotiation. The longer you wait to regain your financial future, the deeper in debt you may become.
We understand that Debt settlement or Debt Negotiation is not for everyone. There are different alternatives available while trying to pay back your debt which really depends upon both your current and future financial goals. These debt reduction alternatives include: |
- Credit Counseling
- Bankruptcy
- Debt Consolidation Loans
- Minimum Payments
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Each of these options may result in more costly and unwanted scenarios and more likely will cause you to accumulate even higher amount of debts. You can read detailed information on each debt relief alternatives on our web site (debt consolidation, bankruptcy, credit counseling, and making minimum payments) to understand the consequences of available debt elimination methods.
If you are having serious difficulties paying your bills due to excessive amount of unsecured debt and barely keeping up with minimum payments then debt negotiation might be a solution. Or if you are considering filing for bankruptcy but very concerned about the consequences then debt negotiation can be your alternative to bankruptcy.
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OUR
GUARANTEE |
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| Debt-Free Money-Back Guarantee |
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| If we're not able to settle your account for 65% or less* we'll pay you the difference. |
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| We're so sure that we'll be able to settle your account for less that we actually guarantee your success. It's our way of saying, "don't worry, your debts are being taken care of by the Priority Financial Management." So relax, as your bills go away, you'll be in the position to "Let Us Rebuild Your Financial Foundation."
*Our current settlements average 40 cents on the dollar. See below for complete details |
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| Money Back Guarantee |
| Priority Financial Management offers our Clients a money-back conditional guarantee subject to the following terms and conditions: |
- Priority Financial Management agrees to settle each of Client's contracted accounts at sixty-five percent (65%) or less of the account's face value at the time of settlement, including any accrued fees and interest charges, or Client shall be refunded the difference above sixty-five percent (65%) of the account's actual settlement amount.
- Client shall comply with the Contract for Services and shall cooperate with Priority Financial Management in their effort to provide services.
- Client shall not default on any payment obligations under any agreed upon settlement for any account prior to requesting a refund.
- Client must send a written Guarantee refund request to Priority Financial Management no later than thirty (30) calendar days after Client's Contract for Service is performed and Client has made all required payments to Priority Financial Management on all settled accounts. Written requests must be physically sent by mail or facsimile to the designated Priority Financial Management location.
- If Client is unwilling or is unable to accept any proposed settlement on any contracted account, or fails to accept any such settlement, this Guarantee shall be null, void, and of no force or effect.
- Guarantee excludes finance company and credit union accounts or accounts that manifest into a legal summons or judgment.
It's settled when you team up with Priority Financial Management. Your bills are guaranteed to be settled for less,
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| It's settled when you team up with Priority Financial Management. Your bills are guaranteed to be settled for less. |
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