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Debt Settlement Our debt settlement services provide you immediate debt relief. Before you consider the negative effects of filing for bankruptcy or signing a contract with another company, speak with one of our IAPDA certified debt specialists. They will guide you through the debt settlement process and evaluate your individual needs. From there, they will analyze your budget to establish an affordable monthly payment plan that will be used specifically to settle with your creditors. Once you have researched our company as well as the many others, you will have more knowledge on "what makes a good debt settlement company" and "how the process works", you can make an educated decision of which company to go with. Most importantly, Lifeguard Financial works for you, not for the creditors. Allow our team of arbitrators to reach a settlement with your creditors which will get you back on the path to a debt free lifestyle. Lifeguard Financial debt counselors will customize a “savings” program tailored to your specific budget and needs. They will guide you in regaining control, provide a relief in your monthly payments, reduce even eliminate those harassing creditor phone calls, and most importantly, assist you to living a stress and debt free lifestyle. Arrange ONE affordable monthly payment No pre-payment penalties for early payoff No penalty or termination for a missed payment. (Simply notify us 7 days in advance) Saving you thousands on your principal balance and outrageous interest payments Regain control Today, and become debt free within 12-36 months Our debt arbitrators have settled countless dollars of unsecured debts over the years. We provide the tools and experience to obtain the best possible settlements and the knowledge to protect your rights. How it works? Debt Settlement is the fastest and least expensive way to get out of debt and improve credit worthiness without filing bankruptcy. Also known as debt negotiation, debt settlement is not a credit counseling service or a consolidation loan; it is an ambitious approach to debt reduction for those experiencing an overload in debt and who have considered bankruptcy as an option. This practice however, is difficult to handle on your own. Over the years, our arbitrators have established relationships with the many creditors in order to simplify this process. We work diligently with your creditors to reduce your unsecured debt balances down as much as 60% by arbitrating an agreed settlement. Any debt settlement program will have an adverse effect on your credit during the term of the program. This may affect your ability to apply for new credit while your accounts are being settled. Once the debt has been paid off through a settlement program, a client is then free to rebuild a solid credit profile without holding the burden of any outstanding debt.