Debt Freedom. Financial Independence

Let our experts help you overcome the financial obstacles in your way with our industry leading debt settlement program!

This page is dedicated to explaining how our debt resolution program works, but you can always speak to us directly.

How a Debt Resolution Program Works

Your minimum monthly payments to your creditors will cease throughout the debt settlement process. Instead, you will make a fixed monthly deposit into an FDIC-insured Special Purpose account. The account is in your name and is accessible online every day of the year. Your Personal Account Manager will contact your creditors and negotiate settlements on the balances as money builds up in the account. We settle each account individually until they are all settled. Our normal program estimate is from 24 to 48 months, depending on how many accounts are enrolled and how much money you have available to spend.

Designed to align with your financial capacity, the debt settlement program offered by Zero Debt USA aims to assist you in reducing your current debt amount through a manageable monthly payment arrangement. Our method serves as a practical alternative to bankruptcy, offering affordability and flexibility that surpasses traditional credit counseling. Our debt settlement program doesn't impose credit prerequisites, nor does it require new loans. It's important to note that participation in our program is not suitable for all consumers and may not be accessible in all states. We take pride in transparently presenting our program alongside all available choices, empowering you to select the optimal path that aligns with your needs.

Getting Approved for Debt Resolution​

To qualify for our debt settlement program, the debt in question must be unsecured. Unsecured debt pertains to financial obligations without associated collateral, encompassing items such as credit card debt, personal loans, payday loans, medical bills, and outstanding balances from repossession-related matters. While credit card debt constitutes a significant portion of the cases we manage, we have achieved notable success across various categories of unsecured debt. Should your accounts all be in collections or if you lack clarity on balances, one of our debt specialists can conduct a soft credit inquiry to assess your account list and gain a comprehensive understanding of your financial standing. Generally, meeting the eligibility criteria for the debt settlement program requires having at least $10,000 in unsecured debt  

Our staff will examine your creditor accounts and then evaluate your existing spending plan.

 

To come up with a program payment and estimate that will work for you, we consider every source of income and every expense you have each month. Our objective is to help you eliminate your debt as quickly as possible with a payment that is convenient for your budget. Our program estimate will frequently be substantially shorter than a traditional credit counseling program, and the program payment we can give is sometimes significantly less than the whole of your existing monthly payments.

 

One of our Debt Specialists will email you a secure registration packet as soon as we determine that you are qualified. We go through everything with you to make sure you comprehend every aspect. Your Debt Specialist will send your file to our Client Care team for service once the documentation is finished.

Getting Started

Within the first few months after enrollment, your file will be assigned to one of our trained debt professionals, to guide you on the best options for your particular circumstances. Throughout the entire bargaining process, we will act as your advocate. Your representative will get in touch with you each time a settlement is reached, explain the details, and request your consent to move forward. Every settlement requires your consent and must be made in writing. By doing this, you maintain control over the entire procedure and have the final word about all settlements.

Your debt free life begins with a short conversation.

160 West Canyon Crest Road, Suite 100, Alpine, UT 84004
Agent Q&A Line: 888-229-5884
Company Hours: Monday - Friday 9am - 6pm MST

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