Debt Point provides customers with access to custom programs that provide an optimal solution to lower what they are spending, deal with creditors, and resolve debts in the shortest time possible. Unlike most other companies, we are not a "one size fits all" solution. Some clients will benefit from debt negotiation in which accounts are negotiated down for significantly LESS than what is owed. Plans are customized for your unique situation and typically estimated between 24-48 months, depending on your budget. We also help you determine a monthly settlement savings plan that you can afford. Upon successful completion of these types of programs, resolved accounts will be SETTLED IN FULL, meaning you owe absolutely nothing more on those accounts. The creditors are required to report settled accounts satisfied and with a "0" balance on your credit report, which helps your debt to income ratio and eliminates the accounts reporting as outstanding debt. One of the most important aspects of your credit report is your "debt to high credit ratio" as too much outstanding debt can actually be very detrimental to your credit report. If you currently have accounts that are "maxed out" then your credit profile impacted by this. If you are struggling, find out what program is right for you by giving one of our friendly debt consultants a call. You may also use the contact form or email us and one of our debt specialist will contact you to discuss your specific situation at no cost or obligation.