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Don't consolidate your debt, negotiate your debt. Don't consolidate your debt, negotiate your debt. Our goal is to put you back in control of your finances by significantly REDUCING your ACTUAL DEBT, not by consolidating what you owe. If you have suffered the anguish of having your automobile repossessed, you may think it couldn't get worse. But sometimes it does because a deficiency judgment could be filed against you. Just having objective third party intervention can set the tone for amiable resolution. No matter what stage you are in (overdue accounts, lawsuits pending, judgments entered, liens files), we can help. Our fee is a small percentage of the amount we save you. We work directly with your creditors to negotiate reductions in your total unsecured debt balance. Many times debtors and creditors cannot get past their emotions to even think about settling a matter. 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