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 Revenue Objectives Int'l., LLC.
 
ROI Debt Resolution Services: 
 
 Click here to see what Matercard themselves say about Debt Resolution Services!
 
                                          
 
The debt remedy you need, when you need it with complimentary consult, 24/7 Support, Legal & Standard Models available depending on your state....
 
Clients: peruse this page and then click here to be matched with affiliated Financial Services, CPA and / or Law Office closest to you!
 
Potential Referral Partners click here to discuss Branch Office opportunities....
 
 
About our "Affiliate" Debt Resolution Services:
 

Click here for "Turn-Key" consult to be set up with total Debt Resolution capabilities

or,

Click here to request ROI's "back office"services to compliment your "front office"

 

ROI can provide Verification of Information & Understanding sm Services ( professional "face to face" consult to your clients verifying their information and their understamding of the key elements of the FTC TSR anywhere in the US )

 
 
 

                                                              

 

 

 

  • The most effective Debt Resolution Program requires that all options available to you be available from same source and components need to be both timely and in the proper sequence, determined by your entire financial condition not simply revolving debt so we match you to the authorized Financial Services office and/or Law Firm or CPA that best meets your financial condition.
  • Providing online access to condition of all your creditors and a human contact for full 24/7 support throughout your Financial Make-Over!
  • Continued Non-Fee based advisory to keep your finances and retirement on track dispite the bump in your portfolio from creditors.
  • Create a Structured Financial Protection Program for your family, business and yourself as well as partners and employees if applicable.
 
 

Click Here   for Private, Complimentary Financial Analysis with a Licensed Financial Professional who serves only your best interest and can enroll you into the Financial Restructuring Program with the affiliate that fits your total financial condition combining Financial and Estate Planning, Debt Consolidation and / or Resolution (both Legal and Standard models available) if your financial condition is salvageable....

 Pre-Foreclosure, Loan Mod and Bankruptcy services as last resort...

All from one source!.....

 

Print "Workbook" below and Fax to 800.682.4077 and ROI will load appropriate info into your file and enroll you....

 

 

                                        
                                     Click for Retirement Overview            then             Click for free Retirement "Workbook"

 

 

"Needs" Calculation from PacLife

 

 

 

Debt Settlement


Debt settlement, also called debt negotiation, is a process that occurs when a borrower and creditor negotiate with one another to resolve debts the borrower owes.  In many cases, instead of working with creditors one-on-one, people will obtain the services of a legal professional who has debt settlement experience.  By working with a professional, people usually find that their debts are settled faster and the amounts that they owe are lowered.  At ROI, we have helped clients settle their debts in minimal time. 

 

Why Do People Choose Debt Settlement?

Often times, people turn to debt settlement when they cannot afford to repay their debts, despite immense effort.  Debt settlement allows people to work directly with their creditors to negotiate a repayment amount that is less than the total they currently owe.

People also choose to pursue debt settlement when they are on the verge of bankruptcy.  Debt settlement is an effective step some people can take when they are serious about resolving their debts and are hoping to avoid filing for Chapter 7 or Chapter 13 Bankruptcy.    

 

Consolidating vs. Settling Debt

 

People tend to confuse debt settlement and debt consolidation and may even think that these two processes are the same, even though these debt resolution processes are very different.  There are numerous differences between debt settlement and debt consolidation which are outlined in detail below.

                                                            Debt Settlement

  • When people settle their debts, they will work with creditors to have the amount of their debts reduced.  In some cases, people may have their debts reduced by 40 – 60%. 
  • After negotiations, the debtor and creditor will reach an amount that they both agree upon.
  • The debtor will then pay that amount, in full, to the creditor.  The debtor will only have a limited amount of time to make the full payment.
  • Once payment has been received, the creditor will close the debtor’s account and the settlement will appear on the person’s credit report.
  • Debt settlement may have an adverse effect on the debtor’s credit report, but is still a good option for those who need to get out of debt fast and do not have the monetary means to make monthly payments toward their debt.

                                                    Debt Consolidation

    • When people consolidate their debt, they combine all sources of their debt by obtaining a consolidation loan.
    • Once a consolidation loan is obtained, the person’s debts will be paid and their creditors will stop calling him/her to make collections.
    • The person will then have to pay off the loan with a single payment that is made each month.
    • The amount of time it takes to pay off the loan will vary person-to-person.  Like all loans, a debt consolidation loan will have an interest rate and if people default on their loans, they may be subjected to legal action.
    • Debt consolidation is a good option for those people who want to repay their debt, but will need time to do so.    

 

Which Types of Debt Can Be Settled

When it comes to debt, there are two categories:  unsecured debt and secured debt.  Secured debt is a type of debt that is tied to an item of property, such as a house, car or land.  Secured debt is not a type of debt that can be resolved with debt settlement.

Unsecured debt is a type of debt that is not tied to any item of property.  People who are looking to go through the debt settlement process will most likely be hoping to settle their unsecured debts.  Unsecured debt includes, but is not limited to:

  • major credit card debt
  • medical bills
  • student loans
  • department store credit card debt
  • bounced checks made to creditors
  • personal loans


    Debt settlement is a process that occurs when a borrower and creditor negotiate with one another to resolve debts the borrower owes.  During negotiations, the debtor will try to get the creditor to reduce the balance that is owed.  Once the creditor and the borrower reach an amount they both can agree on, the borrower must pay that amount in full within a set period of time.  Often times, people find it is in their best interests to work with a legal or financial professional, like the professionals at ROI when they want to move forward with the debt settlement process.   

                                        

                                           Debt Settlement FAQ’s

                                                        What is debt settlement?


Debt settlement, also called debt negotiation or debt arbitration, is a process that occurs when a borrower and creditor negotiate with one another to resolve debts the borrower owes.  During negotiations, the debtor will try to get the creditor to reduce the balance that is owed.  Once the creditor and the borrower reach an amount they both can agree on, the borrower must pay that amount in full within a set period of time.  The debt will then be settled or resolved and the account will be closed.



Will debt settlement reduce the total amount of debt I owe?


In many cases, people have managed to reduce their debt by 40 – 60% percent.  That amount may be lower or higher and will depend upon a person’s individual circumstances.  Most people find that creditors want to receive some form of payment so they are willing to work with borrowers to settle debts instead of keeping the account in collections, which costs creditors time and money.

 

 

Will I have to speak with my creditors?


No, you do not have to speak with your creditors if your work with a credit counselor or attorney.  The professional you hire will speak directly with your creditors on your behalf.  This will save you immense time and frustration.  Also, it is a known fact that when people hire professionals to help them with debt settlement, they stand a much greater chance of having their debt reduced and will get out of debt in a shorter amount of time.

 

 

Will debt settlement put an end to creditor harassment?


Yes, once your debts are settled, your creditors should no longer call you as you will have resolved your delinquent accounts.  In cases where people work with legal and financial professionals, like the professionals at ROI, creditors will stop calling them as soon as the debt settlement process is initiated.

 

 

Will debt settlement show up on my credit report?


Yes.  When you settle your debts, it will show up on your credit report and may lower your credit score.  However, by resolving your debt now and taking appropriate measures in the future, you will be able to repair your credit score over the course of time.

 

 

 

       Click on any of the titles below to assist in your Financial Re-Structuring to protect your future Retirement Journey: 
 
                                        
                                     Click for Retirement Overview            then             Click for free Retirement "Workbook"
                                                             (if opens in PowerPoint, click on "slideshow", then "start from beginning")
 
                                         
                Click for small business Retirement Plans         Click to Re-engineer retirement w/ Roth IRA
(if opens in PowerPoint, click on "slideshow", then "start from beginning") 
 
 
                                                                               
                     Click for "Road to Retirement"                 Click to "Build Your Financial Home" 
                                                           (if opens in PowerPoint, click on "slideshow", then "start from beginning")
 
                                                                             
                                              Click for "Estate Planning"                                     Click for "Business Family Succession"
                                                         (if opens in PowerPoint, click on "slideshow", then "start from beginning")
 
 
"Needs" Calculation from PacLife

 

                                                    

Revenue Objectives Int'l, LLC.
 Contact:  James "Jim" Edward Spittler, Sr., BA., JD
 Business Analyst / Licensed Financial & Estate Planner
 Multi-State Licensed Life, Health, Annuity Agent / Broker
Cell: 305.343.0895 / 866.764.7611  Office: 305.892.0584 / 800.330.7846  
 Fax: 305.895.9095 / 800.682.4077  
Address:  12565 Palm Rd, Suite A-B, Miami, Florida 33181-2611
 

Not Legal/Accounting Advice

The information presented on this Web site is not to be construed as legal advice. Legal advice must be tailored to the specific circumstances of each case. Every effort has been made to assure that this information is up-to-date as of the date of publication. It is not intended to be a full and exhaustive explanation of the law in any area. This information is not intended as legal advice and may not be used as legal advice. It should not be used to replace the advice of your own legal counsel.