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How It Works

Your Path To Financial Independence Begins Here

5 Simple Steps To Resolve Your Debt Fast

Step 1

Free Consultation

Get started by calling or filling out this form to speak with one of our certified Debt Specialists. We will evaluate the types of accounts you have and discuss your goals to determine if Debt Settlement is a viable option. We’ll create a personalized plan that fits your needs.

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Step 2

Monthly Deposits

Once we determine debt settlement is right for you. You’ll begin making your one, low monthly deposit each month to build up funds in your account for negotiation. As your funds begin accruing, we get to work and begin the negotiation process with your creditors.
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Step 3

Debt Negotiation

We negotiate on your behalf with each of your creditors and we will contact you throughout the process to let you know when we reach a settlement agreement. You will have the opportunity to approve the settlement.
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Step 4


You can expect your first settlement in 3-6 months. Once a settlement is accepted, we will pay the creditor using the funds in your account. Settlements can be paid in as little as 1 month or up to 24 months depending on the terms we obtain from your creditor.
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Step 5

Debt Freedom

After each settlement is complete, we request your creditor update your credit report to reflect that you have settled the account in full and report a zero balance. We repeat this process until all accounts are resolved. The entire process will allow you to become debt free in as little as 12-54 months.
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Debt Freedom

Optimal Debt Solutions debt settlement program is designed to help resolve burdensome debt as quickly as possible while saving our clients as much as possible. Here are just a few benefits of this program.
One low monthly program payment

Settling your debt for a fraction of what you owe

Resolving your debt in a much shorter timeframe, typically 12-42 months

Avoiding the most credit-damaging option, bankruptcy

What types of debt are eligible for debt settlement?

Is debt settlement right for you?

If you are struggling to keep up with your minimum payments or have already fallen behind on your payments. Debt settlement is definitely worth considering as an option to resolve your debt. It’s not for everyone, so make sure you speak with a debt specialist to help determine which option is best for you.

If you feel debt settlement is the right program for you, speak with one of our certified debt counselors today.

Need Help navigating the the various debt relief options?

Speak with a Certified Debt Analyst for a free consultation.