Step One: Get Started

Thanks for your interest in NegotiateBIlls.com. We look forward to learning more about your particular situation and reviewing with you debt relief options that may work best for you and your family.
We would like to spend some time understanding your situation to ensure we properly organize a solution.

Go to our online registration form and have one of our consultants contact you.

You can also call our office toll free at 1.888.703.3287 (debts) for free consultation with one of our Debt Consultants.
We will provide any information you will need for determining which program is appropriate for you.







Step Two: Free Consultation with one of our Professionals

NegotiateBills.com is here to make sure you are equipped with the knowledge and the tools to be successful in your goal towards becoming debt free and having long term financial success.
The key to our success is our commitment to exceptional customer service and providing clear information and open communication.

NegotiateBills.com believes this is what sets us apart as one of the premier providers of debt solutions services in the country.
We want to make sure your have looked at the options available to you and fully understand that there is not a one size fits all solution for debt problems.






Step Three: Selecting the right Option


We are here to give you all the information we have to help you, but the decision is up to you and should only be made when you have reviewed at all your options.

First contact your creditors to see if they can help you in any way.
If you have exhausted this option, look into our options such as debt management, tax settlement, debt resolution and bankruptcy. The more educated you are, the better you will know which option is the right for you.

Do not take this process lightly as your satisfaction and success is dependent on your completion of the program.





Step Four: Ready to become Debt Free

Violations of the Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act, commonly referred to as the FDCPA, is a Federal law designed to protect you, the consumer. It clearly spells out the rights you have. It prohibits debt collectors from using dishonest and abusive methods of collecting money owed.

Illegal Practices in Attempting to Collect a Debt:

   • A debt collector calls your work after you tell the collector not to call your work.
   • A debt collector calls before 8 a.m. or after 9 p.m. in your time zone.
   • A debt collector makes an excessive number of phone calls. (Usually, more than 1 call per day.)
   • A debt collector claims to be an attorney or sends letters that look like they are from a law office. (Unless the debt collector is actually an attorney.)
   • A debt collector continues to contact you or anyone other than your attorney even after they have been made aware that you are being represented by an attorney.
   • A debt collector tells someone other than you, your spouse, or your attorney that you owe them money.
   • A debt collector misrepresents the amount of money owed, or the legal status of the debt.
   • A debt collector gives false information regarding your credit.
   • A debt collector who is not an attorney threatens to garnish your wages, put a lien on your property or take your personal property. (This can only be done with a court order.)
   • A debt collector uses obscene, insulting or abusive language.
   • A debt collector threatens you or your family.
   • A debt collector threatens you with criminal prosecution or tries to imply you're committing a crime that you could be arrested for and go to jail.