A+ BBB rated trusted debt settlement service.
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800.527.4421
25 Years of Helping Americans Settle Debts for Less
FREE debt analysis & consultation
A TEAM of pro debt negotiators
No upfront or surprise fees
Full control over speed of debt payoff
Payoff WITHOUT bankruptcy, loans, or lawsuits
Connect for a FREE Debt Analysis
OUR TEAM IS YOUR TEAM
01. Ready | 02. SET | 03. ACTION
01. READY
Your Free Debt Analysis
Speak to a trusted debt relief specialist
Collaborate on a plan with no upfront fees
Agree on our 100% transparent solution
What types of debt are eligible for settlement negotiation?
Unsecured debts are eligible, primarily credit card and personal loan debts. Eligibility can vary depending on the state you reside in.
Do I have to prove a financial hardship?
Proving financial hardship is not required for debt settlement, but your ability to pay a debt does absolutely factor into our negotiations with respective creditors.
Why would I choose debt settlement over consolidation?
Debt consolidation typically lowers your interest rates by consolidating your debts into one negotiated rate. Debt settlement reduces the actual balance of your debt(s) and stops interest from being charged altogether.
02. SET
Affordable Monthly Fund
Stop making payments to creditors
One affordable monthly payment to a trust account that generates negotiation leverage
Once an adequate settlement fund has been generated, New Era starts negotiating.
Should I stop paying creditors when I enroll?
Each debt you enroll in the program should ideally be deemed by the creditor or collection agency as uncollectable at the current balance. If you are making payments against the balance owed, the creditor will assume you can pay and refuse to compromise. A creditor may refuse to compromise, regardless, especially if the debt is judged payable by a court.
Who do I pay after enrolling in the program?
Once we determine an affordable monthly payment, rather than paying creditors or New Era, you deposit an amount into a trust, at least once a month, although you control the frequency of deposits. Once that trust reaches a certain amount, New Era uses the trust as leverage to negotiate.
How much money has to be in the trust to negotiate?
The total monthly payment is determined by the debt enrolled. New Era creates a plan to start negotiating as soon as possible, depending on the amount and stage of each debt a client has.
03. action
Stay the Course
New Era debt specialists, begin negotiating to reduce the principals of each enrolled debt.
Settlements and schedules are approved by client
New Era makes payments from your trust on your behalf
How is New Era compensated for their work?
The debt settlement fee is negotiated into the payoff amount. We receive our debt settlement fee ONLY AFTER the debt is settled and payments against the negotiated amount begin. The fee is determined by the total debt enrolled.
How long does it take for New Era to start negotiating?
On average, it takes six months of funding the trust to have the leverage to start negotiating. During that time and thereafter, our clients can route all incoming calls from creditors to our phone number. You likely were already experiencing a drop in credit score due to accounts being in delinquency or closed and sent to a collection agency. After settling your accounts, your credit will start the process of healing.
How much does New Era charge for their fee?
New Era's fee is determined by the total debt enrolled, and we ensure you know how that fee is charged upon enrolling in the program. The fee compensates our debt negotiators for the hours of time we spend negotiating and managing your debt on your behalf. Our team is literally your team while you are a client with New Era Debt Solutions.
Is debt settlement possible if I have been served by a law firm representing the creditor?
Preventing the debt from going to court is something we highly advise. If you have been served by a law firm to pay a debt, we have a legal team who can negotiate directly with the law firm to come to a settlement before you have to go to court.
Client Highlights
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