Tennessee debt settlement is a perfectly legal solution for consumers who are in debt and seeking ways to avoid bankruptcy. Pay As You Settle is an accredited debt settlement program in Tennessee. The PAYS program begins with listening to the circumstances and then action will happen. Our negotiators talk to the creditors to reduce the overall debt. Once both sides agree on a payment amount, the negotiator speaks with the client and make sure they are fine with the debt amount. The debt is usually made into a lump sum payment. As for the types of debt most debt settlement companies can only work with unsecured debt; these include medical and credit card debts. Debt settlement cases involving student loans, auto financing and mortgages are secured debt and cannot be negotiated. Collection Agencies (junk debt buyers) agree to take less than the owed amount to the creditors since they bought the debt at a fraction of the overall cost. Most good debt settlement companies can cut the balance of the debt by 35-50% and then pay the creditor with a lump sum to resolve the debt amount.
PAYS is an accredited debt relief program that is determined to get consumers back on track to financial well-being. Our dedicated team of negotiators are here to make sure your debts are settled at a reasonable rate. PAYS guides consumers through the debt settlement process to make sure they are well educated and are fully aware of the decisions they choose to make. Many consumers that are seeking debt relief come to PAYS because of our great customer service, our BBB rating and our negotiators are dedicated to settling your debt at the best rate.
Our debt settlement program is free* for consumers with any amount of debt. If you feel you need help with your debt, fill out the form on the left or call 1-877-413-0338 to talk to our debt settlement negotiators.
Pay as You Settle® (PAYS) is the nation’s leading and only state-certified pay as you go debt settlement program. Our goal at PAYS is to ensure that each customer gets back on track to financial well-being.
*Debt settlement program is free until services are rendered
