When a client of Debt Settlement USA has saved sufficient funds to begin negotiations (usually 40-50% of each debt), they contact their primary debt negotiator to begin the negotiation process.  Reaching a settlement usually takes several phone calls between DSUSA and the creditor, and there relationships, which have been established between our negotiators and the creditors with whom they negotiate also come into play.

It’s important to remember the following key components:

• While your DSUSA negotiator strives to achieve the best settlement offer, your creditor also has specific goals, which must be met to satisfy their financial bottom line.  Have you ever noticed that creditor calls increase significantly at the end of every month?  Your creditors are hungry and will seemingly use every tactic in the book to obtain payment from you.  This is why the art of negotiation is best left to those who have years of experience.
• Many creditors will offer a settlement offer at a higher percentage to entice consumers to take the deal.  However, if your creditor offers an initial 70% settlement offer and your negotiator knows that this creditor with whom they have worked over the years will settle at a lower percentage, trust is another key component in the client/negotiator relationship.  It’s not unusual for a client of DSUSA to receive a phone call from their negotiator the following month revealing a significantly lower settlement offer.  Patience is another key component.  Although it’s tempting to take the first offer, waiting an extra month or so creates a win-win for everyone involved and you, as the client, has saved a significant amount of money!
• Not every situation is win-win.  Despite your negotiator’s best efforts, your creditor can choose to take a more aggressive stance, and pursuant to the terms of your signed agreement with DSUSA, creditors can choose to litigate to obtain payment.  Settlement offers will typically begin at a higher percentage.  However, if a client is unable to meet the higher percentage, negotiation plays an important as payment arrangements can be negotiated prior to litigation.

The negotiations staff at DSUSA counts on your active partnership and cooperation to assist them in their negotiation efforts.  Regardless of how much or how little you owe, debt pressures can be overwhelming.  Stay focused on your goal to become debt free and trust the relationship, which has formed between you and your negotiator.