No Up Front Fees

We have no up front fees! I don't get paid until we settle your debt. Call us today to discuss your issue.

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Debt settlement, also known as debt arbitration or debt negotiation, is an approach to debt reduction in which the debtor and creditor agree on a reduced balance that will be regarded as payment in full. As long as consumers continue to make minimum monthly payments, creditors will not negotiate a reduced balance. However, when payments stop, balances continue to grow because of late fees and ongoing interest. Consumers can arrange their own settlements by using advice found on web sites, hire a lawyer to act for them, or use debt settlement companies.[1] Some settlement companies may charge a large fee up front; or take a monthly fee from customer bank accounts for their service, possibly reducing the incentive to settle with creditors quickly. One expert advises consumers to look for companies that charge only after a settlement is made, and charge about 20 percent of the amount by which the outstanding balance is reduced.

Interest Rate Reduction

Credit Counseling

Randolph Debt Solutions is another option available to consumers struggling with credit card debt. Randolph Debt Solutions can substantially lower your credit card interest rates, thereby allowing you to pay off debts faster and save a substantial amount of money. Unlike debt settlement, which actually negotiates a reduction in the principal of your debt, Randolph Debt Solutions will negotiate with your creditors to lower your interest rates and establish a monthly payment plan until the balance is paid in full.

Randolph Debt Solutions can help you resolve credit problems, eliminate late fees, get back on track and pay down debt. When appropriate, Credit Counseling serves as an impartial intermediary. We can negotiate with your creditors to establish a reasonable and mutually acceptable repayment plan.

In general, Randolph Debt Solutions may help you obtain lower interest rate, but the interest is not usually lowered enough to significantly reduce your monthly payments.

If you are interested in finding out more about what our debt resolution service can do for you, call one of our friendly Debt Consultants today.

What our clients are saying

Dear Rick,

Thank you so much for attempting to work with me and my husband in helping us with our debt situation.

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Thank you

Rick,

I have known you now for about 5 months and have had several conversations and meetings with you. We have even had some difficult conversations.