Solutions for any situation….
At Northeast Settlement Group we realize that not everybody is in the same situation. To be successful with any Debt Settlement Program it’s critical that it’s tailored to your specific needs and finances.
Most debt settlement companies can only offer you one basic program. That’s great if it’s the perfect plan for you, but if not it may cost you valuable time and money.
We offer 3 distinct Debt Settlement Programs. Each program is completely customizable to fit your needs so it would be impossible not to find a solution for your specific situation. Here’s a short overview of the programs we offer:
Settle Short Plus Package - This program is designed for consumers with a moderate debt balance typically between $7500 and $25,000 in total unsecured debt. Most members of this plan will be completely debt free in 6-24 months.
Settle Short Elite Package - This program is hands down the BEST Debt Settlement Program in the industry. This program does NOT have a percentage based fee structure.
It is designed for consumers with a debt balance above $25,000. It offers an aggressive strategy to settle large amounts of debt in anywhere from 12-60 months. This program also offers your own Personal Certified Debt Consultant that you will work with you from when you begin with us until you are completely debt free.
Attorney Model – We also offer an Attorney Model as well. This is where you have your own attorney that handles settling all your debt. This is also great for complicated debts or judgments. Some states require that you use the Attorney Model but it’s also available to anybody, regardless of what state you’re in.
Our Certified Debt Analysts can explain the benefits to each program further and help you determine which option will get you debt free the fastest.
Visit us on the web
www.Settleshort.com
866-794-1869
Friday, July 24, 2009
Frequently Asked Questions
Q. Do I need to miss payments before I begin this program?
A. It’s not necessary that you have already missed payments, however you will need to have missed a couple payments in order to settle these debts. We can’t legally advise you to do that but these banks won’t accept half of what you owe unless you’re a little behind. Once you enroll in one of our programs we will contact your creditors and let them know that you are closing that account and building towards a settlement with them. Usually after a missed payment or two that opens the door for us to go in and settle these debts.
Q. What will happen to my credit during the Settlement Process?
A. If you miss a payment or two and have never done that before it may lower your credit score for the short term. Your credit score will however increase as you go through the program, because you’ll be getting rid of your credit card debt, which makes up for about 2/3’s of your credit score. If your credit score is not perfect right now, well it can only improve from here.
Q. Will my creditors still call me?
A. Once you miss a couple payments your creditors may still contact you. As soon as you enroll into one of our Settlement Programs we will send a “cease and desist” letter to all your creditors and this usually takes care of 99% of the phone calls, but if they continue to call we will work with you and the creditor to get them to stop.
Q. Can I be sued for unpaid credit card debt?
A. Creditors have the right to file a lawsuit if you are not paying a debt. Lawsuits, however, are not that common. It costs creditors money to take you to court. In addition, a judgment is just a piece of paper until they figure out a way to collect money against it. Threats of litigation are much more popular however, even though debt collectors are prohibited to threaten legal action, unless they're authorized to do so. Lawsuits can be easily avoided and participation in a debt settlement program allows you to settle these debts before they ever get to the point of a lawsuit being filed.
Still have questions?
Give us a call anytime or check us out at www.settleshort.com
866-794-1869
Q. Do I need to miss payments before I begin this program?
A. It’s not necessary that you have already missed payments, however you will need to have missed a couple payments in order to settle these debts. We can’t legally advise you to do that but these banks won’t accept half of what you owe unless you’re a little behind. Once you enroll in one of our programs we will contact your creditors and let them know that you are closing that account and building towards a settlement with them. Usually after a missed payment or two that opens the door for us to go in and settle these debts.
Q. What will happen to my credit during the Settlement Process?
A. If you miss a payment or two and have never done that before it may lower your credit score for the short term. Your credit score will however increase as you go through the program, because you’ll be getting rid of your credit card debt, which makes up for about 2/3’s of your credit score. If your credit score is not perfect right now, well it can only improve from here.
Q. Will my creditors still call me?
A. Once you miss a couple payments your creditors may still contact you. As soon as you enroll into one of our Settlement Programs we will send a “cease and desist” letter to all your creditors and this usually takes care of 99% of the phone calls, but if they continue to call we will work with you and the creditor to get them to stop.
Q. Can I be sued for unpaid credit card debt?
A. Creditors have the right to file a lawsuit if you are not paying a debt. Lawsuits, however, are not that common. It costs creditors money to take you to court. In addition, a judgment is just a piece of paper until they figure out a way to collect money against it. Threats of litigation are much more popular however, even though debt collectors are prohibited to threaten legal action, unless they're authorized to do so. Lawsuits can be easily avoided and participation in a debt settlement program allows you to settle these debts before they ever get to the point of a lawsuit being filed.
Still have questions?
Give us a call anytime or check us out at www.settleshort.com
866-794-1869
Frequently Asked Questions - Settlement Programs
Q. Will I really be debt free at the end of the program?
A. All accounts you enroll into the program will be reported "settled" with a zero balance and you will be released from any further obligation. You will be completely free of them!
Q. Why can’t I negotiate my debts on my own?
A. You can! You can also sell your own house, defend yourself in court or fix your own plumbing. Most of us are experts at something, but not everything. At Northeast Settlement Group we are experts in negotiation, specifically debt negotiation. We know the credit and collections industry very well--its cycles, its internal policies and procedures, and the federal and local laws applying to all parties in the industry. Keep in mind that the credit industry is also an expert at making people pay. Simply put, the tactics they use on you don't work on us. They know this and typically start at a much lower negotiating point with us than they would with you. And you won't have to take creditor calls at all--that's our job.
Q. What is better, debt settlement or bankruptcy?
A. Many people struggling with debt consider bankruptcy. The main disadvantage of bankruptcy if compared to debt settlement is that it will damage your credit history and score so bad that you won't be able to get any new loans for up to 7-10 years from the moment you file it! As opposed to that, a good debt settlement program will be able to settle your debts for a tiny fraction of their outstanding amount without letting the creditors make your credit history any worse. The second point is that debt settlement doesn't take as much time and effort as the process of filing for bankruptcy. And last but not least, with the new bankruptcy laws, you will most likely be forced into a Chapter 13 repayment plan instead of being allowed to file Chapter 7 bankruptcy, which means that in the following years you won't be able to spend money on anything but necessities. Doesn't sound very tempting, right?
A. Where are the funds held while I build for settlements?
Q. All settlement funds are held in an FDIC Insured Trust Account for you. This account is only used for settlement funds and is entirely controlled by you. Settlements are easily paid from this account directly to the creditor.
Call us today or visit us on the web at www.settleshort.com
866-794-1869
Q. Will I really be debt free at the end of the program?
A. All accounts you enroll into the program will be reported "settled" with a zero balance and you will be released from any further obligation. You will be completely free of them!
Q. Why can’t I negotiate my debts on my own?
A. You can! You can also sell your own house, defend yourself in court or fix your own plumbing. Most of us are experts at something, but not everything. At Northeast Settlement Group we are experts in negotiation, specifically debt negotiation. We know the credit and collections industry very well--its cycles, its internal policies and procedures, and the federal and local laws applying to all parties in the industry. Keep in mind that the credit industry is also an expert at making people pay. Simply put, the tactics they use on you don't work on us. They know this and typically start at a much lower negotiating point with us than they would with you. And you won't have to take creditor calls at all--that's our job.
Q. What is better, debt settlement or bankruptcy?
A. Many people struggling with debt consider bankruptcy. The main disadvantage of bankruptcy if compared to debt settlement is that it will damage your credit history and score so bad that you won't be able to get any new loans for up to 7-10 years from the moment you file it! As opposed to that, a good debt settlement program will be able to settle your debts for a tiny fraction of their outstanding amount without letting the creditors make your credit history any worse. The second point is that debt settlement doesn't take as much time and effort as the process of filing for bankruptcy. And last but not least, with the new bankruptcy laws, you will most likely be forced into a Chapter 13 repayment plan instead of being allowed to file Chapter 7 bankruptcy, which means that in the following years you won't be able to spend money on anything but necessities. Doesn't sound very tempting, right?
A. Where are the funds held while I build for settlements?
Q. All settlement funds are held in an FDIC Insured Trust Account for you. This account is only used for settlement funds and is entirely controlled by you. Settlements are easily paid from this account directly to the creditor.
Call us today or visit us on the web at www.settleshort.com
866-794-1869
Frequently Asked Questions
Q. Why can’t I negotiate with my lender on my own?
A. You can! You can also sell your own house, defend yourself in court or fix your own plumbing. Most of us are experts at something, but not everything. At Northeast Settlement Group we are experts in negotiation, specifically Loan Restructuring. We know the mortgage industry very well--its cycles, its internal policies and procedures. Keep in mind that the credit industry is also an expert at making people pay. Simply put, the tactics they use on you don't work on us. They know this and typically start at a much lower negotiating point with us than they would with you. And you don’t have to worry about taking your lenders or calls or having to call for updates twice a week -- that's our job.
Q. I already tried to do this on my own and my mortgage company denied my application for a plan. Why can you get me one when I could not?
A. The majority of our clients have already contacted their lender and tried to work out a plan which was denied. There are two main reasons for our success rate with working out plans with mortgage companies. First, your income/expense report and the rest of your financial package need to be submitted correctly in order to get approved. If it is not submitted correctly most lenders will deny the request for a plan. In addition to knowing how to correctly submit your package, we also have direct contact with the appropriate departments within your mortgage company. We don’t get lost in the shuffle of talking with customer service, collections, loss mitigation, home retention, etc.
Q. My credit is not good. Is that going to be a problem?
A. Absolutely not, you already have a mortgage with your lender and we are not getting you a new mortgage. We are reworking the terms of your existing mortgage. The reason that credit does not matter is because your lender knows they have limited options. They can either foreclose on the home or work with you. Many times, working with the homeowners is the most financially viable option. What matters is that you can prove to the lender that it is in their best interest to work with you rather than foreclose on the home. We do this through our financial package that we send to your lender.
Frequently Asked Questions - Mortgage Program
Q. If my credit doesn’t matter then why do you ask about my credit report?
A. Your lender may pull your credit report but not for your credit. What they are looking for is the monthly payments of the bills that show up on your credit report. We ask for this to calculate your income and expense report, which helps us to determine if you can afford the house or not.
Q. Should I still pay my mortgage while working with Northeast Settlement Group?
A. That decision is up to you. We cannot tell you to stop paying your mortgage however we do recommend if you’re not able to make payments you save money to build a cushion for when your payments start again.
Q. How long will the process take?
A. It typically takes between 5-8 weeks from start to finish. This is largely dependent on two things: how quickly you provide us with the information we need to submit to your lender and how backed up your lender is. It could be much quicker or much longer than that.
Q. What if my lender will not work with you?
A. Your lender does not want to foreclose on your home but they will if they think it is in their best interest. We would not have taken you on as a client if we didn’t know that we could show your lender that it’s in their best interest to work with you. In the rare event that a mortgage company will not offer you a plan we would refund your money. As a side note we have saved thousands of homes and have only had 2 that the bank would not offer a plan. There is better than a 99% chance your lender will offer you a plan.
Q. What is Northeast Settlement Group’s success rate?
A. We have a 99% success rate which is why we offer our 100% guarantee. When we take you on as a client you can feel comfortable knowing that you are in good hands and we are going to get this taken care of for you.
Q. Are there any hidden costs?
A. Absolutely not, there are no additional or hidden costs. Our flat service fee covers our services from start to finish no matter how much work is involved.
Still have questions? CALL US anytime for a FREE Loan Analysis
866-794-1869
Debt Settlement Inro
We’ll get you debt free faster and for less ….. Guaranteed.
You have found the best way to get control of your debt. Debt Settlement is the fastest way to finally become debt free and best of all, YOU WILL PAY MUCH LESS THAN YOU OWE!
Everybody in debt faces a different situation. Some people might only have a small amount while others may face a mountain of debt, and some are faced with complicated debts or situations that may require an attorney.
What makes Northeast Settlement Group different from everybody else is that we offer our clients many different programs for any type of debt.
Don’t get stuck paying a huge percentage of your debt in fees. Here are 3 reasons why we are the Best Option for Debt Settlement….
· We offer the choice of percentage based or flat monthly fees (ask around, nobody does this but us)
· With our Attorney Program we will assign you to a local Debt Settlement Attorney to settle all your debts. (This means we can work in 48 states)
· We GUARANTEE that we’ll get you debt free faster and for less money than anybody else ( How do we do that? …. We don’t nickel and dime you with fees)
Don’t be fooled by somebody that just tells you what you want to hear.
At Northeast Settlement Group our #1 concern is your success. Our team has many years combined experience negotiating every kind of loan or debt in existence. From mortgages to utility bills and everything in between we have a custom solution to get you debt free, FAST.
Please read this entire Program Guide and CALL US TODAY to get enrolled. Our Certified Debt Consultants can be reached Monday through Friday 8am-8pm.
Visit us on the web at www. Settleshort.com
866-794-1869
You have found the best way to get control of your debt. Debt Settlement is the fastest way to finally become debt free and best of all, YOU WILL PAY MUCH LESS THAN YOU OWE!
Everybody in debt faces a different situation. Some people might only have a small amount while others may face a mountain of debt, and some are faced with complicated debts or situations that may require an attorney.
What makes Northeast Settlement Group different from everybody else is that we offer our clients many different programs for any type of debt.
Don’t get stuck paying a huge percentage of your debt in fees. Here are 3 reasons why we are the Best Option for Debt Settlement….
· We offer the choice of percentage based or flat monthly fees (ask around, nobody does this but us)
· With our Attorney Program we will assign you to a local Debt Settlement Attorney to settle all your debts. (This means we can work in 48 states)
· We GUARANTEE that we’ll get you debt free faster and for less money than anybody else ( How do we do that? …. We don’t nickel and dime you with fees)
Don’t be fooled by somebody that just tells you what you want to hear.
At Northeast Settlement Group our #1 concern is your success. Our team has many years combined experience negotiating every kind of loan or debt in existence. From mortgages to utility bills and everything in between we have a custom solution to get you debt free, FAST.
Please read this entire Program Guide and CALL US TODAY to get enrolled. Our Certified Debt Consultants can be reached Monday through Friday 8am-8pm.
Visit us on the web at www. Settleshort.com
866-794-1869
Welcome to
Northeast Settlement Group
If you’re behind on mortgage payments and your lender seems to be working against you…. You’re not alone. We have worked for thousands of homeowners in that exact spot. We negotiate directly with your lender to reinstate your loan and reduce your payments.
Here are the top 3 reasons why we are the Best Option to represent you….
· We NEVER charge an upfront fee. (We can’t even take you on as a client until we have spoken with your lender)
· You will be assigned your own Personal Loan Consultant. (This means you will talk with the same person from beginning to end)
· We GUARANTEE that we will get a plan with your lender or our services are FREE!
Don’t be fooled by somebody that just tells you what you want to hear. At Northeast Settlement Group our #1 concern is your home. Our team has many years combined experience negotiating every kind of loan or debt in existence. From the minute you first speak to your Personal Loan Consultant you will realize that you have someone that truly cares working for you.
Everybody faces a different situation and it’s impossible to determine the final outcome of restructuring your loan beforehand. Here are some of the possible benefits we have achieved for our past clients.
· Loan Modification
· Reduce your interest rate
· Drastically reduce or eliminate your past due balance
· Lower your monthly mortgage payment
· Get out of an adjustable rate or interest only loan
· Escrow your taxes and insurance
· Settle your 2nd mortgage for much less than is owed
It may be time to put your home in the hands of professionals. A Loan Consultant can be reached anytime for a FREE Loan Analysis to explain how this program can help you.
866-794-1869
Northeast Settlement Group
If you’re behind on mortgage payments and your lender seems to be working against you…. You’re not alone. We have worked for thousands of homeowners in that exact spot. We negotiate directly with your lender to reinstate your loan and reduce your payments.
Here are the top 3 reasons why we are the Best Option to represent you….
· We NEVER charge an upfront fee. (We can’t even take you on as a client until we have spoken with your lender)
· You will be assigned your own Personal Loan Consultant. (This means you will talk with the same person from beginning to end)
· We GUARANTEE that we will get a plan with your lender or our services are FREE!
Don’t be fooled by somebody that just tells you what you want to hear. At Northeast Settlement Group our #1 concern is your home. Our team has many years combined experience negotiating every kind of loan or debt in existence. From the minute you first speak to your Personal Loan Consultant you will realize that you have someone that truly cares working for you.
Everybody faces a different situation and it’s impossible to determine the final outcome of restructuring your loan beforehand. Here are some of the possible benefits we have achieved for our past clients.
· Loan Modification
· Reduce your interest rate
· Drastically reduce or eliminate your past due balance
· Lower your monthly mortgage payment
· Get out of an adjustable rate or interest only loan
· Escrow your taxes and insurance
· Settle your 2nd mortgage for much less than is owed
It may be time to put your home in the hands of professionals. A Loan Consultant can be reached anytime for a FREE Loan Analysis to explain how this program can help you.
866-794-1869
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