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Debt Settlement in Puerto Rico


In Collections or just running late?  Too much Debt for your Income?

A new program developed by a leading consumer credit firm helps you lower your payments, reduce or even eliminate your balances while protecting your credit.

Debt Settlement is much different than Debt Management or Debt Consolidation. In debt settlement, the client will be represented by a firm. The firm will negotiate with the creditors and collectors to reduce the total amount of debt that the client owes.

Likewise, these Debt Settlement professionals will advise you as to send letters to creditors and collection agencies asking them to not contact you, but instead to contact them directly. While the professionals are in this negotiation process, you will agree to make some monthly payments to an account in your name. 

Since the payment that the client makes each month does not go to the creditors or to the collection agencies, the client's credit rating will be damaged. Therefore, we do suggest customers that are past due already to enroll in a Debt Settlement program. That means that all clients that enter the debt settlement program have bad credit already. Keep in mind that the best solution for the client is to eliminate the debt first and build the credit rating later.

The clients may receive harassing creditor calls during the debt settlement process. The client is instructed to write down the name and number of each creditor that calls and send that information to the firm so that a professional can take appropriate action.


Below you'll find a few examples based on $6,000.00 and 22,500.00 worth of debt... 

With 6,000 of debt you'll end up paying approximately $3,300.00 to eliminate your debts and that includes attorneys fee's. 

12 Months - $ 314        18 Months - $ 222.33        24 Months - $ 176.50

With 22,500 of debt you'll end up paying approximately $12,375.00 to eliminate your debts and that includes attorneys fee's. 

18 Months - 726.50        12 Months - 1,070.25        24 Months - 554.62






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