FROM START TO FINISH
I always had a firm grip on my bills. I took pride in never ever being late. Then, one day I awoke from a difficult sleep, and began to do a self-inventory. I checked my investments, my bank accounts, and my lifestyle, and realized things just weren’t adding up. I had spent more than I made every month for the last few years. My finances were dwindling and my credit card debt was skyrocketing. I went into a complete panic. Immediately I started cutting back on bills and getting rid of everything I didn’t need. I work as an engineer but took a job driving for Uber on the weekends so that I can make ends-meet. Nothing quite helped. One morning I got a letter in the mail and called the guys over at JXD. I was skeptical and they probably got sick and tired of all the questions I had. But, they were patient. Somehow I began to trust that they could help. I enrolled with them last year and have already had some accounts settled. It’s been a like a weight has left my body. They’re trustworthy good guys and the job is getting done.
– Adam P.,
DEBT RELIEF PROGRAM
DESIGNED TO MAKE YOU DEBT FREE
TO LEARN MORE SWIPE RIGHT OR SWIPE LEFT
SPEAK WITH A DEBT EXPERT
Struggling with Debt is never easy. For many, the road to financial freedom is long & arduous. The absolute first thing to do is understand which creditors you owe and exactly how much. Once we obtain a copy of your most recent credit card statements we can show you how to save and also eliminate your debt.
When you speak with a JXD Debt Expert the consultation is always free and confidential. You’ll benefit from a free analysis of your credit card statements. We have personally reviewed thousands of credit card statements and can pinpoint hidden fees, dissect unwanted charges, and calculate past & present interest charges. We will give you all of the detailed information you need to make an educated decision.
FACE TO FACE MEETING
We believe in conducting face to face business when possible. It is as equally important to us to meet you as it is for you to sit down with us. We make it a priority to understand your situation and financial life goals. An expert licensed legal professional from your home state will be in tune with your file and meet with you to review documents and answer any and all questions you may have.
CUSTOM DEBT SOLUTION
Once you start our program we will immediately assign you your very own settlement coach as part of our service. Our client support team is second to none in our industry. Our consultants are all based right here in the USA and we assist clients all across the country. Your personalized settlement coach will walk with you every step of the way from enrollment until completion of your debt settlement program.
SAVINGS AND NEGOTIATION
Our on boarding process is simple and effective. You’ll receive a Welcome Package within days after enrollment. Your funds will be safe and secure in an FDIC insured escrow account, accumulating monthly, for the sole purpose of consummating an agreement with your creditors. We begin negotiating on your behalf and then reach a settlement.
LIVING A DEBT FREE LIFE
Our clients are our family. And, it’s important to us that as our extended family your enjoying life to the fullest extent. Imagine what life could be like with a few extra hundred dollars in your bank every month. Save money, reward yourself, plan for something wonderful for yourself. Get the opportunity to live again, smile, and enjoy life. In as little as three years you can be back on the path to financial freedom.
A Debt Relief program best exemplifies the “fight” approach. Our program is based entirely on accountability and integrity. Make no mistake, in a debt settlement program the creditors do get paid back. If they didn’t we wouldn’t be able to offer this as a viable solution. After some serious negotiation and true understanding of your hardship the creditors, because of our techniques and reputation, will often come to a mediation that suits their needs and your budget. Sometimes bad things happen to good people. You aren’t judged by us or the creditors upon entering into a credit card negotiation.
We represent you and you only and work exclusively for you. We work hand-in-hand with your creditors to establish an understanding of the importance of paying back what you can, and not struggling with what you cannot. A debt relief program is designed with several goals in mind. Lower your monthly payment obligations so that you can get back on your feet, eliminate high interest, and lower your principal, so that you can pay back what you truly borrowed. We also keep in mind that these programs have to be designed with the creditors in mind as well, and that’s why it’s important that the negotiation be non-adversarial.
OTHER AREAS WE CAN HELP
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WE NEGOTIATE A BETTER DEAL
Use our easy debt calculator
Our debt settlement plans are available to anyone who qualifies. When you come onboard, you’ll be connected with an experienced team of debt reduction professionals who negotiate directly with each of your creditors.
We deal with these credit card companies, hospitals, banks and other creditors so that you don’t have to. During the entire process, you’ll be protected from harassing phone calls, insistent emails, in-person visits and other high-pressure tactics that creditors and collections agencies use to force payment.
FREQUENTLY ASKED QUESTIONS
OUR ANSWERS TO COMMON QUESTIONS
A debt relief program is designed for someone who is experiencing a legitimate financial hardship and is struggling or can no longer afford to meet their minimum payment requirements. If this is you, and you are adamant about avoiding bankruptcy this program is for you!
Can I settle these debts myself? Our team of experienced counselors have longstanding working relationships with many different arbitrators, and negotiators in the debt relief industry. We are able to leverage and maximize those relationships to secure viable and affordable settlements that meet or exceed our client expectations. Furthermore, while a creditor may initially be receptive to a negotiation with an individual, many times a settled agreement will involve a lump-sum payment arrangement to resolve the debt. For many, if not all of our clients engaging in a lump-sum initial settlement agreement is simply not affordable or even the prudent approach. Working with us will allow you to set aside a fixed amount of dollars that both meet your budgetary requirements and allow us the time we need to consummate an agreeable settlement with your creditors.
That all depends on how good, bad, or indifferent your credit score is now. Our experience has been that many of our clients first priority is fixing their cash flow program. If you are looking to cut your monthly payments in half, and may already be behind we can assist you to fix your budget first. Upon nearing completion of the debt relief program we will introduce to you many of our proprietary techniques on how we can then tackle rebuilding your credit score. We are full service financial firm and rebuilding your credit score is as important to us as it is to you.
That’s a great question. Our fees are amongst the lowest in our industry. Many companies in our field are charging anywhere from 20 – 25% of your total outstanding debt as a management fee. We are well below that. The reason our program is more affordable than the rest is because we are able to offer services that are in-house, under one-roof, without having to outsource the cost and pay others to do the job we promise you. Our customer service is second-to-none, and our debt relief counselor are always available to take your call and answer any and all questions that you may have.
Please consult a qualified tax professional for advice pertaining to your personal situation. Should a creditor report your savings of more than $600 to the IRS as taxable income, the IRS allows form 982 to be completed. This form would give you the opportunity to seek relief from the taxes owed up to the amount by which you were insolvent at the time the debt was settled. This form may be found at the IRS Web site.
Absolutely Not. You may choose which debts you would like to enroll in the program, as well as those you would like to exclude.
There can often be a good reason to keep one or more accounts out and our professional debt counselors can go over your accounts individually and help you determine which, if any, to keep out
We cannot guarantee that every creditor will settle with us and at a specific amount. However, to combat that consideration we start the process with a thorough analysis of your most recent credit card statements to determine whom your creditors are and if we have been successful with them in the past.
Your funds are held in an FDIC insured, third-party escrow account. The most important point is that you are in complete control of your funds 24/7. We are not able to access your funds other than debiting a small portion each month to cover fees. No funds will every be disbursed to any creditor until we receive permission from you the client.
Eighteen months ago I lost my job after 20 years at the same company. I went through complete shock as it only took 6 months for me to go through all the money I had saved while I looked for something else. I relied on the credit cards to help me get by. Then, it just spun out of control. I spoke with Dani over at JXD Financial because he was referred to me by a close friend. I never thought for one second about filing for bankruptcy. He assured me that I wouldn’t have to. I prayed and prayed on it. JXD was definitely the answer to those prayers. I am paying a whole heck of a lot less than before and I know one of these days even that payment will stop.
– Carla M.,