4. Debt Settlement or Hardship Settlement     

...What we do

We will negotiate debt settlements with your creditors.
Your current level of unsecured debt will be skillfully arbitrated by a team of professional negotiators. Ultimately we will be reducing your total debt by 40-60%.

We will provide you with one low, affordable monthly payment.
Based on your monthly budget, your debt analyst will be able to set you up with affordable payments that are considerably less than you're paying now. Each client maintains their own personalized checking or savings account to track and manage their funds.

We contact your creditors and act as your representative at the time of the negotiations.
Once you have accumulated the necessary funds to settle with one of your creditors, ADF may at its discretion contact the client's creditors immediatly after the client's official start date. ADF may do this if it is in the particular client's best interest to do so. Reaching a settlement usually takes several phone calls and communications between ADF and the creditor.

We contact your creditors and act as your representative. Upon your enrollment, we will contact each creditor if necessary to inform them that we are now representing you and your interest in settling the current debt with them. Reaching a settlement usually takes several phone calls and communication between ADF and the creditor.