America's Debt Firm - Debt Settlement

America's Debt Firm is a debt settlement firm. ADF settles debt, plain and simple, and our track record shows we are very good at what we do. We do not do credit restoration, we are not a non-profit organization and we do not imply, suggest or communicate to any client in any fashion to stop fulfilling their monthly legal financial obligations. However, resolving all debt may improve clients' debt to income ratio, which may give consumers the ability to purchase or obtain financing from financial institutions. ADF is not a jack of all trades-master of none organization. We specialize in one aspect of the debt industry for which we are hands-down the leader of: Debt Reduction! We mean what we say and we say what we mean!

Take a tour of our corporate website. Notice the legally binding agreements secured by ADF for its accepted clients. These agreements are real negotiations achieved by ADF (minus clients' private confidential information). ADF maintains relationships with banks and creditors alike which have been developed over the course of our years in the debt management industry. Furthermore, with credit cards and other unsecured debts spiraling out of control in today's economic environment, ADF tailors programs specifically based on our clients' financial capabilities and hardships that clients endure which are taken into account when master planning an individual's debt settlement program.

ADF's debt program is not for everyone. However, a designated qualified credit analyst may be able to communicate what qualifications are required. Pending a review assessment process, ADF administrators correspond with all pre-qualified candidates within 24-48 hours.

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ADF does not misrepresent a debtor's financial capabilities to any eligible original creditor or authorized creditor legally contracted for collection purposes. Any competent educated firm or professional financial consultant should take time to evaluate and professionally administer a review of those capabilities vs. your financial obligations, including but not limited to cost of living, installment loans and mortgage expenditures while forecasting all unsecured financial obligations directly related to debt management program details that predict outcome projection. Note: This is not done in 5 minutes but may be done in most cases within a 1 hour consultation. Debtors' debts were not created overnight and therefore will not be dissolved overnight.

Advice for you when trying to find a debt solution and not ending up with a larger debt problem:

1. Watch out for companies that wheel and deal with your financial future, quoting you car-dealership-like payments and unqualified information.

2. Spammers and other unsolicited attempts to cover a vast territory with minimal expense may come from businesses not operating in your best interest. Keep in mind that just as there are great teachers in our school districts, there are also bad ones.

3. Watch out for the Bernie Madoff tactical advance! Are they holding policies that would allow them to control or mandate your funds for your creditors (i.e. THEIR trust accounts, THEIR bank accounts, etc.)? In all practicality this may create even more risk for debtors that engage in such practices. A debt settlement company with your best interest in mind should have programs in place that make sure your money remains your money. In fact, debtor’s control, debtor’s cooperation, and strategic involvement concurrently act as a checks and balances system, grading themselves against one another and holding everyone accountable during the terms of the agreement in place.

America's Debt Firm is registered with the Secretary of State and complies with all required State & Federal laws. We are registered with the Better Business Bureau; ADF is an Invited Member of the US Chamber of Commerce.
Disclaimer: Services not available in all states. ADF does not provide legal or tax advice.

4. What affiliations does the company keep? How many years have they been in business? What characteristics imply that the business maintains strict operating procedures that can show results and performance? Are their words filled with hot air or factual data backed up by proven statistics?

5. Did the educated consumer evaluate ALL the retainers or negotiation fees that may be involved with the company or law firm? There are often excessive fees that may be hidden in plain sight like the fine print on the back page of credit card applications that we seldom read. A modest fee with a performance achievement clause built in has shown the most prolific success with organizations that settle debt. Do people work at higher levels when incentives are attainable? Answer: Yes! (i.e. Real Estate Agents vs. Grocery Store Stockers) The answers to these questions may be the difference between success and failure regarding your unsecured legally binding agreements that you signed and agreed to.

6. I think it's important for anyone who has debt to realize, if they haven't already, that debt is a big problem and a very costly one at that…A problem that may cost families their savings, retirement, college funds, and their possibility for a secure financial future. Realizing there is a problem before it's too late is the first step. The second step is taking strides to do something about that problem, and last but certainly not least is following through to the completion (or graduation) of that problem so that it becomes a past life lesson that gave you the tools to help create future decision making skills that make you perform at the highest levels in all present and future financial related situations we all face. When education turns into applied experiences and those experiences we have are absorbed, they later blossom into wisdom and we become stronger individuals from the inside out. For a credible experienced consultation, submit your contact information and a friendly representative will call you within 24 hours.