What is Debt Elimination Debt elimination is a relatively new WIN WIN program for dealing with unpaid or unsecured debt (e.g., credit cards, medical bills, tuition fees, past due utilities bill, car payment, cut telephone bills and collection agencies and repossessed automobile debt, IRS and Revenue Canada). It essentially means that your debt is eliminated and your interest rate reduced through negotiation between your creditor and you. Debt elimination does not entail taking on a new loan to pay your debts. It is one of the wisest programs for successful debt payment.
HOW DOES IT WORK   How Does Debt Elimination Work? What We Will Do For You Eliminate unsecured debt in just 20 to 35 months* Reduce debts down to just 55-65 cents on the dollar including payments and fees Relieve the pressure and stress that comes with being in debt Help you to handle creditors and get on with your life Help you settle your debts and regain your life We are a national company that specializes in substantially reducing the amount of unsecured debt owed. We help individuals avoid bankruptcy by settling their debts. By completing this program you will once again regain your peace of mind. We are not a loan company, a collection agency nor a Consumer Credit Counseling organization, but work purely on your behalf to negotiate settlements at the lowest possible amount. By reducing the total amount of unsecured debt owed, our average client can be debt free in just 20-35 months*. Our aim is to assist clients with a legitimate hardship, who are in over their heads with unsecured debt, and have no workable way out. Once out of debt  you can then learn how to maintain a debt free lifestyle so the same thing does not happen again. We substantially reduce the amount of debt owed and eliminate your debt quickly. We do not get you further into debt with consolidation loans or just reduce the interest like most other companies. Because we work purely for you, we keep your best interest in mind at all times! We get paid on the amount we save you and only after we have reached a settlement. You keep control of your money at all times in your own bank and do not send it to us, unlike most other companies that control what happens to your money. If you are not happy with a settlement you do not have to accept it, in which case there is no cost to you. Benefits Of Debt Negotiation Alternative to bankruptcy Reduce your debt substantially Be Debt Free in just 20 - 35 months* You keep control of your money Get effective help in dealing with creditors We work for you, NOT the creditors Regain control over your life Pay us after a settlement has been reached Get relief from the pressure of debt We help settle your creditor judgments/liens We have years of experience in settling debts. Let us show you how we can eliminate your debts and become DEBT FREE AGAIN... Types Of Debt We Work With We work with unsecured debts that have no type of asset attached to them such as a house or car, etc. Most consolidation loans or second mortgages are secured with assets. Debts we can work with include: Credit Cards Unsecured Bank Loans Professional Fees Unsecured Lines of Credit Repossessed Vehicle Loans Dental Bills Collection Agencies Merchant and Store Cards Hospital and Medical Bills Unsecured Business Debt Creditor Law Suits Collection Attorneys* Judgments and Liens* * We work with these debts by negotiating settlements. We are not legal counsel and do not furnish any legal advice. Types Of Debt We Don't Work With We cannot work with loans that are backed by the government such as most student loans, SBA loans or loans that have assets attached to them. Home Loans/Mortgages Automobile Loans (if you still have the car) Federally Guaranteed Student Loans Equity Credit Lines Any Loan Secured by Property Child Support Utility Bills Phone Bills (there are exceptions) Unsecured debts totaling less than $10,000 If you are unsure whether a particular debt will qualify for this program please call one of our experienced and friendly debt counselors for a free consultation. Our Clients The typical person joining our program is severely in debt or is finding it difficult, if not impossible, to keep up with their monthly obligations. This is usually due to a change in circumstance such as divorce, health problems, reduction in pay, loss of a job or other major financial problems. Many are already behind on payments, struggling to keep up with their commitments and near bankruptcy. Some have unsuccessfully tried other forms of help such as CCC programs, consolidation loans, etc. before coming to us. The settlement percentage is based on a flat 25% of the amount we save you. As an example, if we have settled one of your cards and saved you $1000 on the amount owed, our fees would be 25% or $250 - you would save $750.  Aside from our one time setup fee, all fees are performance based. We do not get paid until after the settlement has been reached so you always know exactly how much you have saved before you agree to the settlement. This ensures that we continue to do our best for you at all times and get you the best possible settlements. Call Us Now If you are struggling to make monthly payments, falling behind, using one card to pay off another and bankruptcy is looking like a reality, now is the time to call. It is our mission to get you out of debt and keep you there. We have helped many people just like you to become debt free and live a happier life , free from the stress and worry that accompany financial problems. Call us today to see if we can help you become debt free again. Don't let yourself drown, do something about it today.             Take the first steps to becoming Debt Free Again.                 Debt elimination works in three easy steps: 1. You fill out the request for Approval and return with your original signature along with a copy of your latest bill statements. Detailing account number, creditor address and outstanding balance and rates, we will then have our processor customize a plan for you. 2. Contact all your creditors and inform them that we are putting together a "Debt Elimination pay off" program. If any collection agency or creditor calls you, you may forward them to our processor or you may use your self-empowering Bye Bye Bill Collector package. 3. After we have all the relevant information about your debts and finances, our service processor will negotiate the following options: . Lower the monthly payments to what you can afford  . Eliminate or dramatically reduce your high interest rates  . Remove late and over the limit fees LSM Services has successfully handled negotiations with many creditors. The goal and commitment to you is to help you get out of debt with a peace of mind. Once we have engaged in these steps, we will send you your Guaranteed Approval Agreement to be signed and returned.