Fill out the Simple Form on the Top or Call 866-376-9846 for a Debt Settlement Quote.

What is a Better Way to Resolve Debt, Using Debt Settlement Services or Consolidating Debt?

A Debt Settlement Service may reduce your monthly payment, and resolve your balances quickly. A Debt settlement service is ideal for a person that has a hardship. A debt consolidation loan can eliminate all of a person's high interest accounts and give them one affordable payment, but with debt consolidation a person will pay back all of their debt and interest. Debt consolidation is a more suitable option for someone with a high credit score. With Debt Settlement;

#Have Only 1 Flexible Monthly Payment

#Pay off all Accounts in 3 Years or Less

#Pay Back Less Than the Full Balance

#Attorney Protection Included

#The Golden Financial Services Program has Been Assisting Consumers in the United States Since 2004

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Settlement Process

How Does Debt Settlement Work?

Experienced negotiators contact the creditors or collection agencies on behalf of their clients and negotiate a settlement. The settlement is beneficial to the creditor because without it, often consumers will have to declare bankruptcy, where creditors will then lose money.


To get a consultation and find out if you qualify call us at 1-866-376-9846, or start by filling out the short contact form on the right.

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Top Debt Settlement Companies
  • The top companies will usually have a tremendous amount of leverage with the creditors. Most of the larger companies will use the bulk settlement approach.
  • The bulk settlement approach is where the settlement company will bulk together, at times hundreds of clients’ worth of accounts, and then negotiate with the creditor based on a massive number of clients’ worth of debt at a given time.
  • This technique gives our negotiators leverage to solidify the largest discounts.
  • Over time the larger companies will establish relationships and contacts with the
    creditors making the process more efficient.
  • Our servicing negotiators here at Golden Financial Services settle more than
    15 million dollars of debt on a monthly basis.
  • We strive to provide our clients with superior service they deserve and we
    have been focusing on this type of debt relief since 2004.

What do the best and most trustworthy companies have in common?

Provide clients with financial education while on the program. (Click here to learn about debt settlement services and how the program could effect your credit score) .

Set their customers up with an attorney in their state while on the program in case lawsuits occur or creditors attempt to sue.

Provide their clients with asset protection.

Have been in business for more than eight years.

Have zero unresolved customer complaints.

Have the highest rating with the Better Business Bureau (BBB).

The negotiators are paid based on how they perform and how much money they save their clients.

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    Fees are included and results may vary. There are potential tax consequences that could result from a debt settlement program.

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    A debt settlement program will lower a person's credit score. Learn more about rebuilding credit after graduating on a debt settlement program.

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    Creditors are not paid on a monthly basis with a debt settlement program. Creditors can sue a person while they are enrolled on a debt settlement program.

What are the benefits of using an attorney for credit card debt settlement help?

Additional Info
Credit card relief programs at Golden Financial Services can save you the most money and time!


During our consultation, we can answer your questions that you may have, provide you an estimated savings analysis and details regarding a plan to get you out of debt. Learn more about all of the debt relief options available in the United States.