Debt Relief That Works!

CNI has completed thousands of clients from the program and has settled over $600 million in debt!  Simply complete the form below and find out how much you might be able to save.

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  • Client Success
    Dont take our word for it

    "“I owe nothing now but a huge debt of gratitude to you at CNI.  Thank you so much for your time and attention to detail. Thanks for getting me unshackled...."

    - Elizabeth R.

    “I owe nothing now but a huge debt of gratitude to you at CNI.  Thank you so much for your time and attention to detail. Thanks for getting me unshackled. All my best!”

    Elizabeth R.

    "“Debt is not a thing we want to deal with, but working with you, the experience was a good experience. We had tried this before and that time was horrible...."

    - William T

    “Debt is not a thing we want to deal with, but working with you, the experience was a good experience. We had tried this before and that time was horrible. We took a chance for you to help us……. This was the best choice for us. Thank you for all you have done; and for all the employees we spoke with who were very patient with all of my questions, explained everything and reassured me every time. I will always be grateful for taking that chance with your firm. I will pass information about you to people I know who could use your help.”    

    William T

    "“Thank you for being so professional, friendly, helpful and caring – Excellent staff!  I was always treated courteously and respectfully. I felt like the staff really cared about me. Thanks..."

    - Cindy S

    CCC helped us remove late fees and reduce interest!

    “Thank you for being so professional, friendly, helpful and caring - Excellent staff!  I was always treated courteously and respectfully. I felt like the staff really cared about me. Thanks to CNI; I am now truly debt free. May God bless you all. It feels great to be able to sleep at night. Thank you all very much!”    

    Cindy S

    "“You guys are truly AWESOME! Kind, helpful, understanding, knowledgeable, reassuring, competent…….One of the smartest decisions I’ve made.”"

    - Dana S

    We were so far in debt . . .

    “You guys are truly AWESOME! Kind, helpful, understanding, knowledgeable, reassuring, competent…….One of the smartest decisions I’ve made.”

    Dana S

    "“I tried to work with the credit card people, but they wouldn’t help me.  Thank God for you people or I would still be in trouble and struggling.”    "

    - Valerie M

    I was treated with respect . . .

    "I tried to work with the credit card people, but they wouldn't help me.  Thank God for you people or I would still be in trouble and struggling."    

    Valerie M

Debt NegotiationBudgeting BasicsCollection Call HelpBankruptcy vs SettlementGet EducatedFree Financial Resources

Debt Negotiation

CNI does not charge our clients a fee for services until we settle a debt for you, consistent with the new Federal Trade Commission (FTC) rule. Our program is designed to assist individuals who are having trouble making the required payments on their unsecured debts (e.g., credit card debts, personal loans, medical bills).

Our objective is to negotiate with your creditors on your behalf to obtain mutually-agreeable settlements for less than the full amount you currently owe.  Your funds are disbursed to creditors and our fee is paid only AFTER a settlement has been negotiated.

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*Clients who make all their monthly program payments pay approximately 50% of their enrolled balance before fees, or 68% to 75% including fees, over 24 to 48 months. Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. Our estimates are based on prior results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest.