We negotiate with your creditors on your
behalf to substantially reduce the total amount of unsecured debt you owe.
Our goal is to obtain mutual agreeable settlements on the principal amounts,
not just on interest or payments as with typical debt management programs.
The process works within your budget to settle your debts in the shortest
possible period of time.
Funds are disbursed only AFTER settlements
have been negotiated. If you are adding to your Reserve Account over a
period of months, those funds are building up for the purpose of achieving a
DISCOUNTED LUMP-SUM SETTLEMENT with one or more of your creditors. The
reason for this is simple. Debt negotiation is not at all like debt
consolidation or debt management. Most “consolidation/management” programs
simply lower your interest
rates without attacking the real problem: the amount of DEBT PRINCIPAL.
We negotiate your total balance down to a size your budget can handle.
CNI will begin the negotiation process when you have sufficient funds available in your Reserve Account. Be patient. It may take 6 months or more to settle your first account. During this process you save up money in an account you open at a third-party, independent Company.
The individual nature of your financial
situation, the creditors with whom you have done business, the number of
your debts, the amount of your debts, the percentage of your secured verses
your unsecured debts, your disposable income, and other known and
unknown variables will make your case unique.
DISCLAIMER
- This document is intended to provide a brief overview of this program.
This document is not intended and should not be construed as constituting
any type of expressed and or implied warranty or contractual representation.
