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Debt Settlement Qualifications

Not all debt is qualified for a debt settlement program. Typically, only unsecured debt can be enrolled. Unsecured debt includes:
  • Credit Cards
  • Store Cards
  • Unsecured Bank Loans
  • Personal Loans
  • Hospital Bills
Debt that is secured does not qualify for debt settlement because the creditor can simply take whatever is secured by the debt. Therefore, there is little, if any, room for negotiation. We cannot work with the following debts:

  • Mortgage Loans
  • Student Loans
  • Car Loans
  • Taxes
A little explanation about why we cannot work with debts of this type - Student loans are secured by the government - bankruptcy cannot make them go away and the collectors of this type of debt have draconian methods at their disposal in order to collect it. Money owed to the IRS can occasionally be negotiated, but with little success. The government has a thing for collecting all money owed to them (presumably because they have an endless thirst for creating more debt). Obviously, a creditor can simply repossess your car or home, leaving little room for negotiation. Superior Debt will explain exactly the type of debt we can work with and the results that you can expect to see. Hospital bills, for example, have become more difficult to negotiate in recent years due to the high default rate (because of the skyrocketing cost of medical care). Our financial advisors are thoroughly experienced with all types of debt and can help you decide if debt settlement is a viable option for you. If it isn't, we can help you decide on your best course of action.
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