debt-solutions

WHY CHOOSE US

Your creditors are armed with professionals like collection agencies and attorneys ready to pounce the moment you fall behind. Doesn’t it make sense to have professionals on your side as well? Let us deal with your creditors to resolve your debt.

PROFESSIONAL REPRESENTATION

Having a professional debt negotiation company working in your behalf will result in increased debt reductions for you and your family. Once your creditors realize that they are working with professionals who are familiar with their tactics, they are suddenly willing to discuss a settlement.

DEBT RESOLUTION

If your creditors have the choice of collecting about 50 cents for every dollar you owe as opposed to taking the chance of never collecting a single dime by holding out for the full amount, it becomes an easy choice – they’ll work with us and accept less to resolve your debt.



WAYS TO GET OUT OF DEBT


SELF HELP

A very common strategy for handling escalating debt is to use the “Do it yourself” approach. But maybe you should reach out to a professional before it’s too late.

BANKRUPTCY

Like any other option, there are advantages and disadvantages to the bankruptcy process – assuming you can qualify.

DEBT CONSOLIDATION

At first, it seems to make sense. However, you should carefully research other options before committing yourself to a loan that may take several decades to pay off.

CREDIT COUNSELING

The credit counseling organizations are acting as collection agencies for a consumer’s creditors and not necessarily acting in your best interest.



DEBT SETTLEMENT

Imagine being able to pay less than what you currently owe, make a single affordable monthly payment, and be debt free in 24 to 36 months. At S&N Debt Solutions, we understand how distressing debt problems can be. Whether you’ve lost your job, have recently divorced, accumulated burdensome medical debt, or have simply felt the effects of a slow economy, WE CAN HELP.

HOW IS THIS POSSIBLE?

It’s very simple, actually. Your creditors know that the chance of collecting money on delinquent accounts becomes increasingly difficult over time. They also know that if their client files for bankruptcy, the debt may be discharged altogether and they won’t collect a dime.

If three to six months pass without a payment, the creditor may assign your account to a third-party collection agency. However, the agency will charge the creditor a fee or percentage of the total amount owed – and this assumes that the collection agency can collect any money at all.

In some dire situations, a creditor may sell your debt to a third party for pennies on the dollar with the hope of collecting something.

Debt management gives your creditors another option of collecting a larger percentage of the debt owed.





TEAMWORK creates SUCCESS

The S&N team has already helped tens of thousands of consumers who faced financial hardship. By providing proven debt relief programs and services, we have restored our client’s financial health by resolving their unsecured debt. Additionally, we offer educational information and resources to help sharpen our client’s financial literacy that will ultimately strengthen their resolve to live debt free.