Are you feeling overwhelmed by high-interest credit card bills, medical debts, or personal loans? You’re not alone. At Funding Tier, we help everyday people negotiate with creditors to reduce total debt balances, potentially saving thousands of dollars. Our proven debt settlement strategies are tailored to your unique situation, helping you move forward with confidence.
Debt settlement is a process where we negotiate directly with your creditors to reduce your outstanding balances. Rather than continuing endless minimum payments, you can resolve your debts for a fraction of what you owe. Unlike bankruptcy or debt consolidation loans, debt settlement allows you to avoid new loans or legal action.
and much more………
Schedule a no-cost consultation with a Funding Tier specialist to review your debts and determine if debt settlement is right for you.
Based on your situation, we create a personalized strategy to address your debts efficiently and affordably.
You begin contributing to a special savings account. These funds will later be used for negotiated settlements.
Our professional negotiators work directly with your creditors to reduce the total balance due.
As settlements are reached, payments are made from your savings account. Once paid, your debts are legally resolved.
After completing your settlements, you’re free to move forward without the burden of debt.
Debt settlement is a process where a third-party company negotiates with your creditors to reduce the total amount you owe. Instead of paying the full balance, you agree to pay a lump sum or structured payments for less than the original debt. This option is typically used by individuals who are struggling with unsecured debt like credit cards or medical bills.
Yes, debt settlement can negatively affect your credit score, especially in the short term. Since the process often involves stopping payments to creditors while negotiations are underway, missed payments will be reported to credit bureaus. However, many people see their credit gradually recover after completing a settlement program.
Debt settlement typically applies to unsecured debts, such as:
Credit card debt
Personal loans
Medical bills
Store cards
Some private student loans
Secured debts (like mortgages or car loans) generally cannot be settled through traditional debt settlement programs.
The timeline varies depending on your debt amount and ability to save for settlements. Most debt settlement programs last between 24 to 48 months. During this time, the settlement company works to negotiate lower balances while you make monthly deposits into a dedicated account.
Yes. Legitimate debt settlement companies charge a fee only after a settlement has been reached and approved by you. Fees are typically a percentage of the total enrolled debt or the amount saved. Be cautious of companies that demand upfront payments—this is often a red flag.
Debt settlement may be a good option if you:
Are experiencing financial hardship
Can’t keep up with monthly payments
Want to avoid bankruptcy
However, it's not the best fit for everyone. Consider your financial goals, credit impact, and other alternatives like credit counseling or debt consolidation before deciding.
Call (833) 716-3863, chat live with us, or visit our Support Page to schedule your free consultation.
Funding Tier ensures full transparency of all risks before enrollment.
Contact Funding Tier today. Our experts are ready to help you find a clear, manageable path out of debt.
