DTS Financial - Credit Card Debt Negotiation

"I am glad that you understand my frustration and were able to lend an intelligent and compassionate perspective to the matter…Thanks again for your expert handling of the situation."

L. H. - Scottsdale, Arizona

"Thank you very much for all the help and services that you are doing for my husband and I. I can't tell you how much pressure you guys have helped relieve already. Thank you so much again. Take Care."

Mr/Mrs. P. - Beltsville, Maryland

"Thank you again for all your help and continued support. We know our debts are in very capable hands and it takes away soooo much of our stress!"

A. H. - Sunnyvale, California

"As I read your email I feel I have confidence that the debts will disappear very soon under your excellent and sincere hard work. I don't know how I can express my gratitude to you. One day you will be rewarded."

P.G. - Oakland, California

"Just wanted to let you know that all our creditors have stopped calling completely and we couldn't be happier with our decision to have DTS help us with our debt situation!!! Thank you for what you do and for giving us the light at the end of the tunnel!!"

C.D. - Portland, Oregon

"Yes, the creditors have not been calling and leaving "desperate" messages for us to call them back. Thank You! Thank You! Thank You!"

A. H. - Sunnyvale, California

"DTS is doing a great job of keeping me informed of settlement offers, returning phone calls and answering questions. Thanks for all your hard work!!!"

K.B. - Katy, Texas

"I, like most people was very skeptical to enter such a program. But one simple thing clicked it for me, in your FAQ section on your website it says something about people being concerned about their credit rating and basically stating that you need to worry about your quality of life first and your credit rating later. I had over $65,000 in debt that would have cost me over $200,000 and many years had I stayed that path. A year and a half later, I am in a different world and a different lifestyle. Could I go get credit on a Lexus today? Probably not. But I sleep at night, and that was something that eluded me for years. The credit rating will return to normal someday, and in the meantime I can begin saving again for things I want and living a stress and debt free life. I have rid myself of every single credit card (so has my wife), and the lessons learned from something like this although hard are also priceless. Paying cash for things is AWESOME anyway."

E.Z. - Greyslake, Illinois

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Credit Card Debt Negotiation

It is commonly believed that any settlement arising from a credit card debt negotiation must be reported on your taxes. This is not true. Normally, this advice is given by people who advocate credit counseling, which is woefully ineffective compared to debt negotiation.

When people advise you to report a debt negotiation settlement on your taxes, they are thinking of the rule that requires you to report any income over $600 to the IRS. (They think any savings on a debt can be considered an advance in income.) However, debt works differently than income, so you can actually write off the debt on a tax return. Keep in mind that this is only possible if you are in the red financially.

Avoiding Bankruptcy and Counseling

This is one of the scare tactics used by credit counseling advocates, or even bankruptcy advocates. Our purpose is to help you avoid these two solutions--which aren't very effective solutions at all. They cause as many problems as they solve.

Bankruptcy stays on your record for over a decade. Counseling companies reduce debt at around eight years--an improvement, to be sure, but not nearly as effective as the three years maximum that DTS offers. Credit counseling companies are also limited by the number of creditors that will even work with them. We work with all types of creditors, including medical billing, department store debts, financing agreements, and other billing issues.

	(Minimum: $10,000)
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Debt Amount:	(Minimum: $10,000) The debt amount should be a numeric value and should include debt from credit cards, credit lines, medical bills etc. It does NOT include federally insured student loans, mortgages, car loans, IRS debt or credit unions.