Welcome to Help Lower My Bills

Debt Settlement can be an ideal way to turn your loans, credit cards, store cards and overdrafts into one affordable, single monthly payment so that you can pay off your debts and get on with your life. Debt Settlement is designed to help you make affordable and sustainable repayments each month to your creditors. But trying to get all your creditors to agree to reduced payments can be hard work, especially when their collection departments only know one word, "No". Your debt manager will:

1. Go through your finances with you;
2. Prepare a Financial Statement and Budget;
3. Agree to an affordable monthly payment with you;
4. Negotiate with your creditors;
5. Distribute 100% of your payment to your creditors.

Turning your debts into one single monthly payment makes your finances much easier to manage. We will also speak to your creditors in order to negotiate reduced payments and request that the interest and charges are stopped or reduced. This means your monthly payments go towards clearing your actual debt rather than covering only the interest and charges. Tell us about your financial situation. We'll review your debts, discuss your options and help you to decide if debt settlement is the best solution for you.



*Estimates based on prior results; individual results will vary based on circumstances, including your ability to save sufficient funds and complete the program. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Read and understand all program materials prior to enrollment. ** At program completion if your total debt reduction is less than 3 times the Service Fees you have paid to us, we will refund a portion of those Service fees. The amount of the refund will be calculated so that the amount of Service Fees we retain is equal to only 1/3 of your total Debt Reduction. Please keep in mind that Retainer Fees are generally non-refundable.