Cut Your Debt in Half and Regain Control
Access professional services to renegotiate your debt, restoring your peace of mind at a reduced cost.
Redefine Your
Financial Future
Eliminating debt is simple with the right support.
Discover How Much You Can Save
Settle your outstanding liabilities,
effectively with the help of our experts.
Contact us today to learn how our solutions can work for you.
FAQ'S
Get answers to the most common questions we get asked.
With more than a decade of combined experience, Key Financial Resolutions delivers customized debt relief solutions. Our team, composed of IAPDA-certified professionals, is committed to transparency and will guide you through every step to ensure the best possible outcome for your financial needs
Yes, you can negotiate directly with your creditors. However, working with Key Financial Resolutions can make the process easier and more effective. We have experience in negotiating with creditors and can help you achieve better terms and manage your debt more efficiently.
To qualify for our debt relief program, you need to:
- Have over $10,000 in unsecured debt (such as credit card debt, payday loans, personal loans, medical bills, collections, and some student loans).
- Reside in a state where we operate.
Please note, we cannot assist with debt from lawsuits, IRS debt, federal student loans, utility bills, auto loans, mortgages, or other secured debts.
The time it takes to become debt-free is case by case as it depends on your current debt condition. On average, our debt settlement program takes about 2 to 4 years to resolve debts. You'll start seeing progress within 6 to 12 months, and our team of experts will keep you updated throughout the process.
We cannot suggest or deter you from seeking bankruptcy protection as we are not attorneys. With that said, some consumers rely on bankruptcy as a last resort because:
- Costly: Legal fees can be higher than other resolution options, depending on how much debt is at issue.
- Stigma: It carries a negative reputation.
Public Record: It’s publicly accessible. - Credit Reporting Impact: It can be listed in credit report for up to 10 years (whereas other credit reporting is usually capped at 7 years).At Key Financial Resolutions, we recommend exploring other options first, such as:
- Debt Settlement: Negotiate a lower repayment amount.
- Debt Consolidation Loans: Get a loan to pay off debt at a lower rate.
- Credit Counseling: Get help with budgeting and reducing interest rates as well as extending time for repayment.