We Settle Your Debts For
Less Than What You Owe

How Debt Settlement Works

1. Tell Us About Your Situation

Before explaining how our program works, one of our Certified Debt Specialists takes time to get to know you and your financial situation. You'll work together to customize your monthly deposits.

2. Make Your Monthly Deposits

You'll open a savings account in your name that'll be under your complete control. That account is where you'll send the monthly program deposits that'll go towards paying off your debts.

3. Stop Using Your Credit Cards

Now's the time for you to leave communications with your creditor(s) to the debt resolution negotiators. You'll also need to stop using the line of credit or loan your program is targeting.

4. Debt Negotiating Start

Debt resolution negotiators work on securing settlements that help boost your savings, reduce your total payments, and resolve your debt as soon as possible. Your accounts will be settled using your funds.

5. Debts Resolved

When a creditor agrees to a settlement, you'll need to approve it. The money you've built up in your savings account will go towards paying them out. Once debts are paid, your debt will be removed.

6. Financial Freedom

Become debt free just like thousands of clients we've served over the years. They now enjoy every moment of becoming debt free. Some of them traveled the world and some of them bought their dream house.

I AM READY TO ELIMINATE MY DEBT

Debt settlement is the best
option if you:

Are dealing with medical/hospital bills
Are feeling helpless with your credit card debt
Have accounts that were sent to collection agencies
Are overwhelmed with high interest rates
Cannot afford to pay high monthly payments
Want to pay off your debt for less than what you owe

Why Choose Us

Linda Schmitt - Mother of 2

I was very skeptical about Diversity Debt Settlement because some people have negative connotation about debt settlement companies. DDS is a legitimate company and they really help you with your debt. They go over your debts and I really appreciate their transparency when it comes to my timeline to become debt free. Highly recommended to everyone who have debt!

Debt Enrolled: $7,000

Debt Type: Personal Loan

State: Michigan

Rob Kanely - U.S. Veteran

I was behind with my credit cards for 6 months and my medical bills were sent to collection agencies. I thought my whole world was about to collapse. I was searching for debt settlement companies on Google and I found Diversity Debt Settlement. They have great reviews online and their staff are very friendly so I decided to enroll with their debt settlement program. Thank you DDS!

Debt Enrolled: $34,720

Debt Type: Credit Card/Medical Bill

State: Texas

Edgar Mejia - IT Manager

I've been a client with Diversity Debt Settlement since September 2018. Now that it's 2020, I am on track to become debt free this coming September. With patience and determination, I am excited for the new chapter of my life. Without Diversity Debt Settlement, I wouldn't be where I am now and I can't imagine my life still paying my debts. Go ahead and give them a call today!

Debt Enrolled: $108,100

Debt Type: Auto Loan/Collections

State: California

Frequently Asked Questions

All your debt questions are answered by our award-winning Diversity Debt Settlement Debt Specialists

1. What types of debts are covered?

Your credit card debt, auto loans, medical bills, personal loans, payday loans and other household debts are covered. Business debts are not.

2. Can debt collectors contact me anytime?

No. Debt collectors can’t contact you at inconvenient times or places. They can’t contact you before 8 a.m. or after 9 p.m., unless you agree to it. They also can’t contact you at work if they’re told you’re not allowed to get calls there.

3. Can a debt collector take money from my check?

Yes, but the collector must first sue you to get a court order — called a garnishment — that says it can take money from your paycheck to pay your debts. A collector also can seek a court order to take money from your bank account. Don’t ignore a lawsuit, or you could lose the opportunity to fight a court order.

4. How does debt settlement work?

Debt settlement is the process of negotiating with your creditors to pay less than the full amount you owe and mark a debt as paid. If you find yourself deep in debt and unable to meet your financial obligations, debt settlement, as opposed to bankruptcy, is an option to consider.

5. What are my options during the pandemic?

If your income has been affected by the COVID-19 pandemic, one of the first steps you should take is to switch to a temporary crisis budget. Many utility providers and telecommunication companies are offering temporary relief to customers impacted by the coronavirus crisis.