The Debt Management Program (DMP) is the highest recommendation. This is when you consolidate all your unsecured debt into one monthly payment without obtaining a loan. The plan allows you to include unsecured debt such as credit cards, department store cards, personal loans, medical bills, past due utility bills and IRS bills. All your bills will then be consolidated into one easy monthly payment and often times reduce monthly payments up to 59%. The Debt Management Program is for both those current, and behind on their debts. If you feel your balances are not going down, or just want one monthly payment -- there is something you can do. Enrolling in a Debt Management Program can remove the stress and start restoring your life!

In just 2-6 years, you can be debt free and progressing towards a better credit standing.

Isn't it time you became debt free? [Click Here]

One Monthly Payment
	Do you have 2, 10 or 20+ bills? How would one monthly payment sound?
Reduced Payment(s):
	Not only will you obtain one monthly payment, but the payment amount(s) may be lower than what you are currently paying. Also note the next benefit, having a lower payment in a DMP is actually good!
Debt-Free much sooner!
	By having a lower payment, don't think the time will be expanded. In this program, since most fees are reduced or removed entirely your pay-off will be much, much sooner.
Interest Rates & Late / Limit / Finance:
	Late? Limit? Finance Charges? How about APRs that are compounded daily? Most of these fees are reduced, or sometimes even eliminated when entering this program. This will result in a greater percentage of your minimum payment actually going toward your balances.
My Credit Rating:
	Are you current with your debt(s)? Most people who enrolled into this DMP are. Understand, that Credit Counseling is not factored into your credit score. BUT DO NOT take our word for it, or anyone elses for that matter. The creator of your credit score, also known as a FICO score has a direct link that says so. Please [Click Here] and scroll to the bottom and what does it say? I am behind with my debt(s)? If you enroll into a Debt Management Program most of the creditors have agreed to "Re-Age" your accounts in just a few months. So if getting "back on track" is your objective, this is the solution.
Typical pay-off:
	Anywhere from 2-6 years is the typical payoff. This does vary, so don't hold us to anything until you speak with one of our advisors. Also note that the time pay-off is based on minimum payments, so should you decide to pay more expect to become debt free much sooner. Program length are based on creditor type, balance, etc. BUT UNDERSTAND, that if you do it on your own they say it takes two years for every thousand you owe. Entering a DMP is only common sense...

Debt Settlement is the program designed for consumers who cannot meet the minimum required payment(s), and DO NOT want to file bankruptcy. These client(s) also cannot afford the above program (Debt Management). Although the Debt Management Program reduces payments, sometimes it doesn't reduce them enough which makes Settlement plan B.

The objective to Debt Settlement is to offer a cash settlement on the balances owed. In the Debt Settlement Program, you would have one monthly payment that would be be built in a private account that would then be used to settle out your balances. Every month, this balance will increase in the private account until a certain amount is met. At this point, the creditors are contacted and the amount(s) are settled on the proposed amount.

The downfalls to Debt Settlement is that your creditors go unpaid until the amount is built. Another downside is that this program may have a negative mark on your credit score. Enrolling into Settlement is a last option, if you cannot afford the payment plan on the above program (Debt Management Program).

Do you think Debt Settlement would be the route? [ Click Here ]

If you can somehow come upon a large sum of cash, this would be recommended above all else. But not many people want to rid their assets to pay off revolving debt(s). Therefore, if this is something you do not want to do - or cannot do then do consider one of the above plans. American Debt Solutions provides access to one of those two programs, so get in touch with us today!

That's right, we call this the "Pay Forever Plan". Unfortunately, millions of Americans nation wide are struggling with their debts. Paying just the minimum required payments, and assuming the balances will go down. You couldn't be anymore wrong. These creditors structure their systems to hold on you down, if you pay the bare minimums. Charges such as; compounded daily interest rates, finance charges, not to mention late / limit fees enslave you to their corporations. Most Americans do whatever they can to continue to make the minimums required, and hope they will go down. If you are only meeting your minimum required payments, you are paying almost entirely interest charges; not paying down your debts!

In all reality - this means that if you owe $20,000 today, it will cost you more than $40,000 over the next 20-30 years before you are debt free. They say it takes an estimated 2 years for every thousand dollars you owe! We urge you to contact our company, so that we may show you exactly what this means.

"I'm tired of not getting anywhere! I would like to see what ADS can do to help!"

A Debt Consolidation LOAN is one of the most common solutions that consumers seek. This is a mistake, that will only destroy ones future hope at debt freedom. While many people work very hard to obtain homes and credability, consumers typically obtain a "Home Equity Loan" to consolidate their existing credit card debt. Before we move forward, heres two facts:

Secured Debt - is a debt that is tied to physical property. Secured Debts are often homes and automobiles. For example; if you don't pay your mortgage they take your house. If you don't pay your car payment, they take your car. This helps the lender provide a debt due to it being secured to physical property.

Unsecured Debt - is a debt that is not tied to physical property. For example; most credit cards are unsecured debt. A Credit Card company cannot seize any of your personal assets (Home, Car, etc). The credit card company would typically sell the unsecured debt to a collection agency hoping they could collect on you.

With that being said - Do you know what we're getting at?
You've now turned your unsecured debt into a secured debt. So not only did you just borrow money from one person to pay another (which will get you no where), but you made that unsecured debt secured. Which means that if you don't pay, they will come take your property (Home = Home Equity Loan). Why would you put an asset you worked so hard for at risk?

If you ignore the situation you're in, it may result in legal action. Creditors typically keep your account(s) for 5-8 months after you've stopped paying. At this point they sell the debt to a collection agency or law firm which will attempt to collect on the debt. If you ignore the situation, it seems that legal action is innevitable. So paying back this debt is a must, but the question is how? Please refer to the recommendations above.

Bankruptcy... The name its self would send chills down your spine if you were a lender. If your credit score is not important to you, this would be labled as your last resort. Let us not forget, since the new bankruptcy law that passed on October 17th 2005 - it is more complex and much more expensive to file bankruptcy. They say bankruptcy stays on ones credit score for 7 to 10 years. However, most mortgage companies will now ask "have you ever filed bankruptcy"? Ever, being that key word.

The Financial Impact is severe; trying to obtain a mortgage, car, credit card, apartment lease, loans, a job or anything else that would require a credit check would make the approval rate extremely low. Bankruptcy shows that the consumer was irrisponsible when having such debt(s). If your credit is already deliquent; and you can't afford the 1st recommendation (Debt Management Program) then possibly Debt Settlement would be in your best interest. The worst you can do is not contact us.

Finally - most people don't realize that bankruptcy can stay on their court records for over 20 years. Which means, filing bankruptcy may follow you for the rest of your life.