ACI is NOT like other debt settlement companies. The vast majority of other companies pay themselves before ever negotiating for you. They calculate what they think they will save you, determine their fee and then pay themselves first, before doing any of the work. Our fee structure is fair. Only after we negotiate a debt and finalize a settlement do we calculate and charge our fee. Other companies have programs that can last as long as 60 months. Our experience in the business has shown that going beyond 36 months can often be problematic. We are upfront and honest about debt settlement and the pros and cons that go along with it. We are here to advise you on the best course of action to reach your goal of becoming debt free.

While other companies may tout that they are part of certain associations, those very associations support this exact flawed system mentioned above.

Since 2004, ACI has been helping people become debt free using debt settlement programs tailored to fit their personal needs and their ability to repay. Our mission is to expertly, professionally and ethically assist YOU, our valued client, to obtain a debt-free life. We are devoted to helping you to become debt free and get you on the road to financial freedom by providing unrivaled debt settlement and negotiation services.

Our consultants are thoroughly trained in debt negotiation and are up to date on debt settlement matters and the rules of the FDCPA, which enable them to guide you and protect you through this process. Our strategies have been developed over many years of working in the debt settlement business with great success. Here at ACI, our counselors work for you by negotiating a settlement whereby you only pay a portion of what you owe - often 50 cents on the dollar, or even less! Our relationship with creditors and our knowledge of the debt settlement industry allow us to get you the best possible settlement.

Our Debt Settlement Program is an innovative solution for consumers struggling with large debt burdens and who desperately need relief. ACI uses debt negotiation with a goal of dramatically lowering your debt levels and helping you avoid Bankruptcy. Our goal is to save you the most possible money and to get you debt free in the shortest amount of time.

At ACI, we are debt relief specialists. We can present to you each of the ways to get out of debt and we can analyze your situation to help you decide what is best for you.

Today, the average person is deeper in debt than ever before. The recent financial crisis has made it even worse. In fact, the banks are cutting credit lines and increasing interest rates. This may have even happened to you. It seems unfair that when you need your credit the most they raise your rates and cut your credit line.

Many consumers, whether due to job loss, medical illness or unexpected circumstances see a large portion of their monthly income go towards making minimum credit card payment. This process could possibly keep the average consumer in debt for most of their life. Financial stress has been known to create severe friction on relationships. You may be experiencing this already.

If you have become hostage to your unsecured credit card debt and are in need of assistance, ACI can work with your creditors to help relieve you from that shackle of debt. We negotiate on your behalf to settle your unsecured credit card debt. Our program is specifically designed for each individual to ensure that they have a debt reduction plan that is right for them. We work with you to eliminate your unsecured debts in the shortest amount of time, consistent with the least amount of money possible, based on each consumer’s ability to pay.

As your partner on this journey to financial freedom, we will provide and help educate you with the tools and knowledge to build a solid financial foundation for the future. Together, we can get you back on the road to financial recovery and attain the ultimate goal of becoming DEBT FREE

In an effort to end the foreclosure crisis, the Obama administration has been trying to keep defaulting owners in their homes. Now it will take a new approach: paying some of them to leave. This latest program, which will allow owners to sell for less than they owe and will give them a little cash to speed them on their way, is one of the administration’s most aggressive attempts to grapple with a problem that has defied solutions…

Source: The New York Times

How will the CARD act affect you? That depends in part on which type of credit card you’ve got in your wallet. The combined impact of the economic downturn and the restrictions placed on credit card companies by the Credit CARD Act mean card issuers will be changing how they do business in ways that will affect every credit card — but the impact will vary depending on the type.

Source: creditcards.com