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Q: How will debt settlement affect my credit report?

A: Debt settlement may have a temporary negative effect on your credit report. However, what are you worried about – your credit report or your debt? The fact is, your credit may be already affected due to a high debt-to-income ratio. Also, if you have ever made late payments, this has a huge impact on your FICO score. Once you have resolved your outstanding debt through our debt settlement program, your credit report should show that your debts are “paid settled” or “satisfied.” As a result, debt settlement is a preferred alternative to bankruptcy. You may obtain a FREE copy of your credit report at

Q: Why can’t I just settle these debts myself?

A: While it is possible for you to attempt to settle your own debts, our company employs a team of professional people to work for you and achieve excellent settlements. We also deal in volume so that we may bring more leverage to the table at the time of settlement.

Q: Is debt settlement the same as debt consolidation?

A: No. In debt consolidation programs, the debt consolidator makes one loan to you to pay off all your debts. You are charged interest on this debt consolidation loan, and in some cases you are still required to pay interest to your creditors. As a result, with debt consolidation your principal debt balance remains the same and you remain years away from becoming debt free. With our debt settlement program, our highly skilled negotiators work on your behalf to significantly settle your debt. In most cases, our debt settlement program allows you to pay only a fraction of what you owe and helps you resolve your debt sooner and in a more equitable way than consolidation.

Q: How long does the debt settlement program take?

A: The length of time it takes to complete the debt settlement program varies depending upon your ability to acquire the funds necessary to resolve your debt. For information about how long it will take for our debt settlement program to resolve your debt call 1-800-648-5771.

Q: Do you keep my information confidential?

A: Absolutely. USA vs. DEBT maintains your confidentiality at all times and are bound by “Rules of Professional Conduct.” We only disclose information to those persons that you have authorized. All creditors that you have contracted us to settle with on your behalf will be contacted by us and advised that you have retained USA vs. DEBT to represent you.

Q: Do I have to be delinquent with my debts to be eligible for your debt settlement program?

A: No. The debt settlement program works with debtors in all stages of collection.

Q: How do I get approved for your debt settlement program?

A: The program is not for everyone and everyone is not for us. If you are in debt, employed, and serious about resolving your debt, you should take the first step and contact us for a free consultation. We will advise you of your acceptance into the debt settlement program and/or other options available to you.

Q: How much does the debt settlement program cost?

A: The fees for each debt settlement case vary based on the complexity of your financial situation and our efforts required assisting you to zero debt. While we do charge a nominal fee for our debt settlement services, the program will ultimately save you money as we allow you to settle your debt for a fraction of the original balance. For more detailed information about our debt settlement program fees please call 1-800-648-5771.

Q: Does the debt settlement program work for all of my creditors?

A: No firm can guarantee that every creditor will accept an offer to satisfy your outstanding debt. We have years of experience settling millions of dollars of debt, and we have built our reputation and integrity by only accepting cases that we can resolve for a fraction of the original debt. For more details on what you can expect from our debt settlement program, call us at 800-648-5771 for additional information.

Q: Do I have to include all of my debts in the debt settlement program or can I choose only the ones I would like you to resolve?

A: With our debt settlement program, you can select which accounts you would like us to settle for you.

Q: Will all of my debt be settled when I finish the debt settlement program?

A: When you follow all of our debt settlement procedures, you can expect to have zero balances on all unsecured accounts that you’ve contracted USA vs. DEBT to resolve. You will still be responsible for your secured debts (i.e. mortgages, auto loans, etc.) and unsecured debts that you did not retain us to settle.

Q: What can I expect as a result of your debt settlement program?

A: You can expect a reasonable settlement in what you owe to your creditors. While each case is different and results vary, the debt settlement program typically settles client debts for a fraction of the balance originally owed.

Q: How does debt settlement compare to bankruptcy?

A: Bankruptcy was designed to be your last resort and has a devastating effect on your credit rating that lasts for seven to ten years. Debt settlement is a bankruptcy prevention program that provides you with financial freedom without the long-term effects that come with bankruptcy. Anyone considering bankruptcy, should contact a Bankruptcy Attorney.

Q: Are your debt settlement services guaranteed?

A: We cannot offer a 100% guarantee that our debt settlement services will work for you. That said, before we accept your case we will perform a thorough analysis of your cash flow and debts. When we can help you with our debt settlement program, we will. And if we don’t think we can help you, we won’t accept you into our debt settlement program. We have settled millions of dollars of consumer debt and our reputation and integrity have played a key role in our exceptional success rate.

Q: How can I be sure the debt settlement program will work?

A: USA VS DEBT takes great pride in settling our clients debt. Our reputation is built on helping our clients avoid bankruptcy and avoid debt consolidation. Anyone considering bankruptcy, should contact a Bankruptcy Attorney. Debt consolidation is viewed as Chapter 13 Bankruptcy. After analyzing your financial situation you will either be accepted into the debt settlement program or we will advise you of your best options.

Q: What is the difference between unsecured debt and secured debt?

A: Unsecured debt generally arises out of a contract entered into with a creditor that enables you to obtain goods and services on credit in exchange for your promise to repay the creditor. Credit cards, medical loans, and personal loans are the most common types of unsecured debts. If you are delinquent with this type of debt the only recourse the lender has is legal action.

A secured debt is a loan where the creditor retains a security interest in your property such as a house or an automobile. If you fall behind on payments with this type of debt the lender has the ability to repossess the property in order to mitigate their damages. If your property is repossessed and sold you remain liable for any deficiency balance that remains after the sale. Certain exceptions apply depending on the nature of the security interest. The laws regarding home mortgages vary from state to state and the lenders’ rights usually depend on the terms of the mortgage and whether any other lenders have an interest in the real property. In these situations, it is important to seek legal advice to protect your interests.

Q: Does secured debt ever become unsecured debt?

A: A secured debt may become an unsecured debt in situations where the property securing the loan has already been repossessed and sold by the creditor. If the sale of the property does not meet the contractual obligation the consumer owes a deficiency balance. This deficiency becomes an unsecured debt. Certain exceptions may apply and will depend on the security interest.

Q: Will I continue to get calls and collection letters from my creditors?

A: As part of our debt settlement program we will provide you with a telephone log to record these calls. Please forward these logs to 1-866-757-3989 or scan and email to This log allows us to track creditor correspondence and assists us with your debt settlement program. We will take the necessary steps to help insure that unwanted harassing creditor calls are abated.

Q: What should I do if a creditor calls me?

A: Tell them that you have retained the Services of USAvsDEBT-Holdings, LLC. and give them our # 800-648-5771. The letter of Authorization will be faxed to the creditor/s once you are enrolled and funds become available to settle the debt. We will provide you with a call log to help you track the calls that you receive. By enrolling in our program, you will be our member and we will strive to protect you from creditor harassment. You may contact USAvsDEBT-Holdings, LLC. for assistance if call volume becomes excessive.