Debt settlement and negotiation are powerful tactics used to approach creditors, also an interactive tool to debt reduction, which is appropriate for debtors with high balances, past due bills, or who are considering bankruptcy. American Debt Assistance provides access to debt negotiation through integrated law firms who provide legal representation and negotiates with the creditors to settle consumer debt for a lower amount than what is owed. After the debt is settled, the creditor will send a letter stating the debt obligation was fulfilled, and will report to the credit bureaus that the debt has been, “Settled for less than full amount”, “Paid” or “Settled”.

Our attorney's will deal directly with the creditors legal departments, bypassing the commissioned collection agents whose job it is to get as much as they can. Most often, we can help to negotiate better settlements than any non-attorney program.

Debt reduction, also know as debt consolidation or debt settlement, is an aggressive approach to becoming debt free, fast. It is appropriate for debtors with a serious amount of debt or who are considering credit counseling or bankruptcy. The program is custom tailored to each of our clients, to find the optimal solution to lower your monthly payments, help you deal with your creditors, and reduce your debts fast.