Credit Card Debt
Debt Settlement Program Qualifications
Debt That Qualifies
  • Credit Cards
  • Store Cards
  • Unsecured Bank Loans
  • Personal Loans
Non Qualified Debt
  • Student Loans
  • Mortgage Loans
  • Car Loans
  • Taxes
  • Less than $10,000 total
Debt Reduction
Debt Negotiation

We are a Professional Debt Negotiation Company. Settle your UNSECURED Debt for MUCH less- Don't Procrastinate, Negotiate.

Find out more about our debt settlement program. You can reduce your credit card debt and start living free once again. A debt-free future requires action!

Debt Consolidation
debt consolidation

If you are only making minimum payments on $20,000 in credit card debt, at a 18.9% interest rate, it can take you over 50 years to pay it off and you could pay over $50,000 in interest.

You may be surprised to learn that credit card debt grows back 78% of the time after taking out a debt consolidation loan. Without a fundamental change in the spending habits of the consumer, a loan usually only makes things worse.

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Debt Arbitration
Debt Settlement
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Credit Counseling

Our Debt Settlement Program Testimonials

I want to express my gratitude for the excellent manner in which the staff at Superior Debt Services, Inc walked me through the entire process of establishing my account and helping me on the road to recovery.
My dedicated customer care consultant Carissa, who incidentally is a Certified Debt Arbitrator, was not only a complete professional in the manner in which she handled setting up my account but Carissa came through as someone who really cared, very much listened to me, and addressed my questions and areas I had concern over. I’ve never felt this high level of customer service in the past from anyone.
Before coming on board with Superior Debt Services, Inc, I had opened an account with one of those “consumer counseling services” which for me, never seemed to help me make much headway into the debt. With Superior Debt Services, Inc, I feel I am more in control over how quickly I can be debt free and the money they will save me in the long run is awesome.
In closing I just simply want to express my gratitude to Superior Debt Services, Inc and all they have helped me accomplish. For anyone reading this I can attest that I was not asked to write this letter not was I compensated in any way. I wrote this because of how good I feel in being one of their clients.
Steven P Tennessee

"I would like to take a moment and thank everyone for all their help. I began working with your company in November 2003. At that point in time I had already spoken to a lawyer about bankruptcy, which was something I did not want to do. Your company has added peace of mind. One of the things you have done is communicated with my creditors. Everyone has been extremely kind. This sounds funny, but when I am on the phone with you, I feel like I am talking to a friend."
Tracy S.

"I am a satisfied customer. My relationship with Superior is coming to an end due to successfully realizing my goal of becoming debt free as a result of your help and services. All of your promises were met, even exceeded. I had the negotiations department in my corner throughout the process and was impressed with the diligence and follow-through. I knew the minute that we had a debt consolidation session that negotiations had my best interests at heart, and I know they had the other client's best interests at heart as well. They always took my calls, were aggressive in getting me the best settlements and provided sound and valuable advice. My goal in enlisting Superior's help was to end our relationship as quickly as possible. The debt negotiations department and all of Superior shared that goal. How unique in today's business climate that is& to work extremely hard to lose a client. But we have achieved that which we set out to do. Best wishes for your continued success and the debt-free futures of your clients."
Deanna H.

Becca - we haven't talked much since we finished the program a few months ago. I just wanted to tell you something incredible. Because of the huge income/expense ratio we now have since you helped us eliminate all that debt, we were just approved for a new car loan. While we will never get into credit cards again, a new car has been part of the plan since we very first contacted you 3-4 years ago. Best of all, the loan is coming from our credit union at less than 4% APR. Both Lois and I thank you - but especially I do, since you and I were the ones in touch. Not once did you fail to be polite, professional, and answer every one of my incessant questions. You're a good woman, Becca, and I'll never forget all your help and encouragement. Again, thank you from the bottom of our (debt-free) hearts.
Wayne - if you're still with superior - I'm cc-ing you on this because you were the one who encouraged me way back when to dive in and get this over with. And guess what? You were right - it worked!
Sincerely
Rudi and Lois L.

"Thank you for doing such a wonderful job settling my credit card accounts. So, once and for all, I will finally be able to get on with my life debt free. And I can breathe easier knowing that my debt is paid off. Thank you so very much."
Robin S.

"Dear Carissa and Superior staff,
I would like to take the opportunity by way of this letter to personally thank the employees and representatives of “Superior Debt Services” for going above and beyond the call of duty in their successful efforts involved in resolving my outstanding accounts. Words cannot adequately describe how pleased I am with the end result. In reaching this successful result, I both recognize and applaud the professional manner exhibited by the entire “Superior” family. While it is true that everyone I have spoken with in your company has treated me with exemplary customer service, I must single out the efforts of Carissa, Melissa and Janet all of whom were instrumental in shaping my extremely positive perception of your company. I will confidently recommend Superior Debt Services to anyone who has needs similar to mine.
Thank you once again."
Murray A S

"I wanted to express my thanks to you for the fine job you have done and are continuing to do, on my behalf. The settlements that you have negotiated are exceptional. Those debt settlements, plus the valuable advice you have offered, confirm that I made the right decision in enlisting in your services."
Craig M.

This was from one of our clients to one of our exception customer service representatives:

"You can't believe how this process is slowly chipping away at the stress in my life - and it's all thanks to you. I mean, good for Superior and all, but it's YOU personally, with your great attitude and timely responses to my questions, that is really helping me sleep better at night. I hope that when you get home tonight, tired and beat, that you can remember how much you are helping me and my wife. You're not some corporate drone; you're personally having a direct, positive influence on our day-to-day lives and I hope you'll think of that often."
R.L. California

To Superior Debt Services,

"I would like to thank you so much for helping my family get there lives back on track, I came to your service based on a referral and had the pleasure of working with Theresa who was so kind and caring on the phone even through all my many, many questions. Our family did not know where else to turn, we were in so much debt ($80,000) that it became so overwhelming.
I was diagnosed with Terminal Brain Cancer almost 4 years ago and due to the cost of surgery out of state, additional medical test that our every 2 months, prescriptions that were not all covered by insurance and in order to pay these we turned to credit cards and we just got further and further into debt and before we knew it we were putting other things on credit cards just to try to stay above the water and then we had a big problem on our hands. We started to try to pay more on each creditor but did not seem to really get anywhere and we were more and more stressed and it showed in our daily lives.
We tried to contact our creditors, who we were never ever late on, but they were not willing to work with us, they even raised our rates to 23.9 % and again we were never late not even 1 day and always paid the correct payment. At this point I even considered bankruptcy!! And that I just did not want to have to do.
The one thing that gets me through all of this is my husband of 17 years and our two daughter ages 9 and 13 and the last thing I wanted to leave them with is a ton of debt and worry. So, I went online did some research and found that Superior came highly recommended by lots of other people and even business. From my first phone call with Theresa I was so much happier knowing that our debt can be handled and the creditors will be paid and it will only take 2-3 years not 40 or more, Theresa took such care when speaking with me and told me everything up front, no hidden anything, and again all my questions and E-mails were answered immediately, it was like she was my family and she and the company truly cared about our well being, well I can tell you first hand they do care and they do want to help families out who are caught in this situation, and I can not begin to tell you how wonderful it feels to wake up every morning know it will be ok and we will make it and that I will be able to leave behind no debt for my family and even maybe get ahead and have money for there college one day if god is willing there is a way.
Words can not tell you how grateful and thankful I am for Superior Debt Services and Theresa for giving our family our freedom and security back."

Kimberly G



Debt Settlements
Our settlement averages.

This year to date:
$20,413,250 settled for
$7,464,021 = 36.56%

Last month June:
$3,673,507 settled for
$1,368,749 = 37.26%

The settlement results shown above reflect actual settlements negotiated with our customers' creditors and debt balances at the time of settlement. They do not include the fees paid by our customers for our services or the services of third party administrators.
This statement is an example of past performance and is not intended to be a guarantee of any future settlement results.

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Debt Relief Articles
The Current Financial Crisis Impact on Debt Settlement
Hello, America. It seems our excess has finally caught up with us. It’s not surprising that this would eventually happen. When an economy is constructed not on value, but on debt; it is virtually inevitable.     
Creating a Household Budget
One of the key elements of a debt settlement program is helping you gain control of your household income. If you expect to be truly debt-free, gaining and maintaining control of your income and how you spend it must be your top priority.    
What Type of Loan (is best for me)?
Lending has become a very profitable business, as evidenced by the proliferation of lending institutions as well as the emergence of different types of loans being offered, all to entice consumers and businesses to borrow money.  

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