Is your debt getting in the way of your life? Overdue bills, credit card debt, school loans, and medical expenses can quickly pile up, making it impossible to stay afloat, nevermind get ahead or even meet your monthly payments. If you’re like many people and are struggling financially, where can you turn for help?

The Debt-Reduction Process

Four Peaks Financial Services’ approach works because it's the opposite of any naïve, impractical “quick fix” that will almost always lead to failure. Our sensible, proven approach involves months of hard work with a financial specialist who makes it his goal to see you eliminate all your debt and restore your good credit. Over the course of 36 months, the financial worries you’re facing today will be a distant memory. With Four Peaks’ help, you will get out of debt and repair your credit in just a few years – setting you up for decades of financial success.

Our program is realistic: we’ll actually help you reduce your payments into a single monthly payment. But Four Peaks takes it a step further: our debt settlement experts will negotiate directly with your creditors to reduce your overall debt by approximately 45%. That means $25,000 in unsecured debt becomes just $13,750 – a much more manageably-sized debt that you’ll then reduce on your own with one regular payment each month. The process really is that simple, but it involves hard work, and Four Peaks Financial Services is with you every step of the way to better credit.

There are two main phases to Four Peaks’ sensible plan:

* Stop dealing directly with creditors: let Four Peaks’ experienced and professional advisors negotiate on your behalf.

* Once debts are on the way to settlement, begin repairing your credit with our credit restoration specialists.

By signing on with Four Peaks, you’re entering a virtual support network of industry professionals who can help you repair your finances. Our influence and educational tools will help you to adopt healthier spending habits and improve your own budgeting skills. You can count on Four Peaks Financial Services to be by your side through the debt settlement process - and you can count on emerging debt-free, and being financially smarter, and ready to take control of your future.

Easy-to-Understand System

By putting your financial situation in Four Peaks’ hands, you’re signing on to first settle your unsecured debts, then effectively clear your credit report of damaging, inaccurate, or baseless information.

Once we’ve helped you determine your total amount of debt, you'll be able to calculate the amount that Four Peaks can help you save over the course of a 36-month program. You can also predict what your new once-per-month payment will be. By sticking to the proposed program, you’ll successfully eliminate your debt simply by staying the course – and earn yourself a well-deserved financial “clean slate.”

Consider your own situation; the following factors will affect the program that Four Peaks will design for you. You must first honestly ask yourself:

* What is the total amount of your personal unsecured debt? Is any of your debt part of a joint account?
* How many of your current monthly minimum payments are you meeting? Are you behind in any payments?
* How often are you dealing with collection agents?
* What amount are you truly able to pay on a monthly basis?

Start Today – Make That Call
Speak with one of our experienced advisors today: (800) 727-1478. This is a completely FREE - cost-free, obligation-free - step in determining whether Four Peaks’ services are right for you, and we can take the time to help you understand exactly what we can offer you. Your representative will patiently ask you for honest answers, carefully evaluate your financial profile, and design an individualized debt settlement program that works realistically with your day-to-day needs.

Make that first free call today!

Keep in mind that though the typical Four Peaks' client enrolls in a 36-month debt settlement program and realizes approximately 45% in reduction of debt, we handle all types of cases. Our specialists can arrange a debt settlement program from as little as a few months to three years in length.

Determining Your Debt

At Four Peaks Financial Services, we know that every case is different, and we’re equipped to help all types of clients reduce their personal debts. Though our typical client enjoys approximately 45% reduction in debt, this reduction can range anywhere from 30% to 60%.

Your Personal Plan

For a basic idea of what your plan may look like, simply enter the approximate total amount of your unsecured debt in our calculator. We’ll show you how much you’ll likely to be able to save, and how much your new sensible, estimated monthly payment would be. We’ll even show you your income-to-debt ratio, which will become a qualifying agent in your financial future. (Also included in this calculation are some estimates as to what you’ll be paying if you decide to continue trying to meet all your current minimum payments, or what you can expect if you opt for the services of a Consumer Credit counselor.)

What is Unsecured Debt?

Debt is money you have promised to pay a creditor according to a particular schedule. It is “unsecured” debt if you have not pledged any real or personal property as collateral for that debt. Typical examples of unsecured debt include credit card(s), personal or signature loan(s), and medical bills.

The other common type of debt is “secured debt” - money that was borrowed with a condition that if you fail to make your payments, one (or more) of your possessions (collateral) can be seized and sold by the secured creditor. This type of debt includes things like mortgage(s), car loan/lease(s), and financing contract(s) for other property, like furniture.

Debt Settlement Process

Debt settlement is an agreement in which both debtor and creditor resolve to settle a debt for less than what is owed. If negotiated properly, your debt can be efficiently, and in many cases, significantly reduced.

Use of a Third Party Trust
To ensure a successful settlement process, funds need to be readily available to pay the settlement amounts agreed upon by Four Peaks on behalf of each client. These negotiated settlements must be immediately paid in full; therefore, the client's funds are held in a separate third-party trust account to ensure an efficient transfer.

In the unlikely event that Four Peaks is unable to negotiate with a creditor to settle one of your particular debts, that single account would be dropped from the program. Four Peaks would then reduce your program time and adjust your administrative fee accordingly.

The completion of Four Peaks’ financial success program will ultimately result in the elimination of debt owed, an improved debt-to-income ratio, and credit report enhancements through the removal of inaccurate or baseless credit marks. However, your credit profile may be temporarily negatively affected during the duration of the settlement program: the possibility of lawsuits by creditors and/or a credit score that will initially drop during the early stages of the program. Also, debt that is settled will be identified on a client's credit report as "paid as agreed" or "settled for a lesser amount" rather than simply "paid in full".

While these risks are valid, it has been proven that for some consumers, the risks associated with choosing an alternate solution other than debt settlement could potentially have a greater detrimental affect on their long-term financial stability and well being.