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  • Find Exclusive Debt settlement and Debt Negotiation services at Affordable Debt Solutions Inc. Debt negotiation and settlement provide you with a shorter term and greater debt reduction than consumer credit counseling debt consolidation plans. The debt free usually budgeting 1/3 less than your current monthly minimum payment, in a two to three year time frame. Using debt negotiation or debt settlement has a better long-term outcome than filing bankruptcy with positive credit impacts. If you are making minimum payments on your credit cards you are in for a lifetime of payments, as it can take over 60 years to pay off credit cards with 18% to 20% compounded daily interest rates.

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