As explained elsewhere on this website, as will be further explained to you in the conversation with the Sales & Debt Consultant, and as you will learn in the enrollment process, you will be asked to put aside and save a set amount of settlement funds on a monthly basis in an account of your choosing. This amount will be determined from your initial analysis; it will be based on the total amount of your unsecured debt and will be in line with your income and expense budget.

Although it is possible, it is very difficult to negotiate debt on your own. Creditors deal with thousands of people who are in financial difficulty every day and have a vast array of sophisticated, and some rather blunt methods of getting you to pay your debts (Scare tactics). It's almost like you trying to change your own transmission. Can you do it? Yes, but if you don't know what you're doing, nor have the tools to change it, it can be an extremely complicated task. See similar questions...

You will be asked to put aside and save a set amount of settlement funds on a monthly basis. This amount will be determined in your initial analysis based on total amount of debt and will be in line with your income and expense budget. Each person's situation is different and the negotiation process will begin at different times depending on the amount of your debt. Once the creditors agree to a settlement amount, we will present this offer to you. See similar questions...

Yes, you may be able to settle your own debts. However, many people find negotiating difficult. And from my personal experience, I received a better discount using a professional debt settlement company (even with the fees added in) than I did when I tried it on my own. A professional debt settlement company knows the right steps to take, typically has established relationships with many credit card companies, and is often taken more seriously by the creditors. See similar questions...

We can review with you with you the pros and cons of debt settlement. We can also guide you in the proper process for settling a debt. See similar questions...

Yes, providing that all your unsecured creditors are included in the IVA and that you complete your IVA, it is a once and for all settlement of your unsecured debts. See similar questions...

The acutal size of any debt reduction and the actual length of time that will be needed to negotiate a specific settlement or to complete your plan is not guaranteed. See similar questions...

NO. There is no guarantee that your creditors will negotiate with us or that your debts will be reduced. See similar questions...

The time required to settle all your debts depends upon your specific financial situation. One of our Debt Specialists can provide you an estimate during your free consultation. Typically, clients are able to settle all their debts within three years. See similar questions...

When a bankrupt is discharged, the discharge releases him/her from all the provable debts, but not those incurred by fraud, a fine imposed for an offence, damages in respect of personal injuries to any person, etc. See similar questions...

We will set you up with an affordable monthly payment in line with your income and expense budget and based on your total amount of debt. This payment amount is determined on a client-by-client basis between you and a debt consultant. Based upon what you are able to pay each month into your settlement account, we can determine how many months you will be part of the program, and ultimately be debt free. Your payments are put aside in your settlement account on a monthly basis. See similar questions...

You will be asked to save a set amount of settlement funds on a monthly basis. This amount will be determined in your initial consultation by a debt consultant and is based upon the total amount of debt owed and what you can afford on a monthly basis depending on your income and expense budget. See similar questions...

A neuro (sometimes called "neurosuspension") is a cryonics patient for whom only the head − rather than the whole body − has been cryopreserved. If future technology can repair freezing damage and regenerate or re-create organs and tissues, it should not be difficult to create skin, bones, and all the organs and tissues needed for a new body − provided the brain has been preserved. See similar questions...

Generally, mortgage lenders will take into account repayments on existing loans and credit cards when assessing an application for a mortgage and will adjust the amount they are prepared to offer as a mortgage loan accordingly. See similar questions...

Our system would reply you by e-mail to acknowledge receipt of your order. If you choose our delivery service, you can pay by cash or cheque when receiving the products. If you choose to pick up the products on your own, you could pay by cash, cheque or credit card in our retail outlet. For more details, please refer to "Buying Tips". See similar questions...

In most cases, neither party is one hundred percent right or wrong. You are encouraged to try to settle your case before trial. If you settle the dispute before the hearing, you must inform the court so the hearing can be canceled and your case dismissed. If the other party agrees to pay at a later date, you may ask the court for a continuance. If the other party pays before the postponed date, ask the court to cancel the hearing. See similar questions...