Through the established relationships that we have with the creditors and financial institutions, we are often able to successfully negotiate the terms of our clients loans at a substantial discount. Creditors are often willing to negotiate a debt with Calmont Financing Inc., on behalf of our clients, with the understanding that the settled amount will be paid in a timely manner. We continue to develop our relationships with creditors throughout the country, and we always maintain a very professional and cooperative relationship with the creditors in order to reach the most favorable settlement offer for our clients. We work directly, and 100% for you. Debt settlement is a legitimate way of solving your problem without the need for bankruptcy. Our representatives work each case individually to determine your eligibility and then, if you qualify, they will establish a program that allows repayment of the debt through affordable monthly payments.