Debt Elimination Services

Pemper and Gartle has secured its place as the leader in the Debt Elimination Services environment for the last ten years. We have helped thousands come to terms with creditors, collectors, suppliers and more; helping them save in some cases as much as 70% off their unsecured debts. With our large network of partner companies all BBB, TASC accredited and affiliated we can help find the best Debt Settlement, Debt Consolidation, Debt Management Services suited to your needs.

At Pemper & Gartle we have your best interest at hand, we understand the pressure you come under when you have fallen on hard times and we are here to lend a helping hand. Our Debt Elimination Services have helped many regain their financial freedom, why not let it help you?  If you are struggling to meet your monthly Unsecured Credit Card Payments take a few moments of your time to fill out our simple form and see if you qualify to receive a FREE, confidential Debt Analysis from one of our Certified Partner Companies. Take the first step, fill out our simple form and let our Debt Elimination Services get you started on the road back to financial freedom.

Debt Settlement

Debt settlement, also known as debt arbitration or debt negotiation, is an approach to debt reduction in which the debtor and creditor agree on a reduced balance that will be regarded as payment in full.

Debt settlement is the process of negotiating with creditors to reduce overall debts in exchange for a lump sum or monthly installment payment. A successful settlement occurs when the creditor agrees to forgive a percentage of total account balance. Only unsecured debts not secured by real assets like homes or autos can be settled. Unsecured debts include medical bills and credit card debts - not student loans, auto financing or mortgages. For the debtor, this makes obvious sense, they avoid the stigma and intrusive court-mandated controls of bankruptcy while still lowering, sometimes by more than 50%, their debt balances.

Negotiating with a collection agency or junk debt buyer is somewhat similar to negotiating with a credit card company or other original creditor. However, many collection agencies (or junk debt buyers) will agree to take less of the owed amount than the original creditor, because the junk debt buyer has purchased the debt for a fraction of the original balance. As a part of the settlement, the consumer can request that collection is removed from the credit report, which is generally not the case with the original creditor. Even if the removal of the collection account from the consumer credit report has been successfully achieved as a condition of settlement during negotiations, the negative marks from the original credit card company will still remain.

Do It Yourself Debt Settlement

The same idea as Debt Settlement, the only difference is that in Do it yourself debt settlement the consumer him/herself negotiates all debt settlements for him/herself.

By negotiating debts on their own, debtors are able to save in fees that would otherwise be paid to a debt settlement company or an attorney. This option also gives the debtor more control over the process which may, or may not, be a motivational factor to continue successfully completing the process.

Debt Consolidation

Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.

Debt consolidation is often advisable in theory when someone is paying credit card debt. Credit cards can carry a much larger interest rate than even an unsecured loan from a bank. Debtors with property such as a home or car may get a lower rate through a secured loan using their property as collateral. Then the total interest and the total cash flow paid towards the debt is lower allowing the debt to be paid off sooner, incurring less interest.

Expert Settlement Software

Expert Settlement Professional is a revolutionary new technology which empowers the consumer. Expert Settlement Professional, also known as ESP allows the process of Financial Freedom to be fully automated between the client and the creditor.

Pursuant to the client signing their license agreement for the ESP system, all of the information contained within their contract is transferred to ESP. Once transferred, ESP immediately initiates contact with the creditors on behalf of the client. A cease and desist letter and a settlement proposal will be automatically sent to the client’s creditors. ESP acts as the client’s “arbitrator” by aggressively sending out settlement proposals. ESP becomes more aggressive as the consumer accumulates funds in their savings account. The intermediary’s relationship with ESP is simply remarkable.

Should a creditor decline a proposal or submit a counter offer, ESP will automatically generate a new proposal that will be sent to the creditor and continue to drive negotiations. Once a creditor has accepted a settlement proposal then the consumer will direct their escrow account to satisfy the outstanding debt. Only the client can direct payment to any creditor. This keeps the consumer’s money secure. The client will have access to view negotiations as it occurs. The beauty of our system is that the client never loses control of the process.

The consumer will be able to conveniently create changes to their account. Such as adding creditors, changing their address and updating their banking information. ESP will recognize these changes immediately and automatically update the cease and desist letters, settlement proposals and payment information. Creditors will be provided access to ESP and be able to view all accounts which have been enrolled into the program. Creditors will have the capability of accepting, declining or submitting counter offers through their ESP online account. In addition, creditors will have the ability to pull accounts and do bulk settlements. Traditionally, debt settlement is a difficult time consuming and cumbersome process, ESP has modernized the debt settlement industry. This software system is both user friendly to the creditor and the consumer. ESP's system provides the luxury of having all communication with the creditors viewable and fully automated.

Should the client need further assistance, ESP is supported by a nationwide network of attorneys. Each client will receive an independent contractor attorney in their state for legal guidance. Lastly, Pre-Paid Legal Inc. will provide up to 40 hours of court representation with unlimited phone consultation by an attorney, for each client. All of this value will be provided at no additional cost to the consumer.

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