Why ACI for your debt settlement needs?

Since 2004, ACI has been helping consumers become debt free using debt settlement programs tailored to fit their personal needs and their ability to repay. Our mission is to expertly, professionally and ethically assist YOU, our valued client, to obtain and maintain a debt-free life. We are devoted to helping you to become debt free and get you on the road to financial freedom by providing unrivaled debt settlement and negotiation services.

ACI's Better Business Bureau (BBB) A-Rating

We are part of an elite, select minority as accredited members with the Better Business Bureau. We diligently maintain an “A” rating. There are only a handful of true, pure debt settlement companies that are even accredited with the BBB let alone have an “A” rating. We feel this reflects our accountability and transparency not only to one of the most respected and trusted organizations in the business but to the consumer most importantly. This fact alone sets us apart from over 95% of the industry.

ACI is NOT like other debt settlement companies

Our fees are the lowest in the industry, enabling you to achieve real results and effectively get out debt for less money and in less time. While the vast majority of other companies were paying themselves before ever negotiating for you, ACI adhered to a business model of ZERO Up Front Fees to the consumer and we only get paid when we save you money and deliver results. These other companies would calculate what they think they will save you, determine their fee and then pay themselves first, before doing any of the work. Our fee structure is fair. Only after we negotiate a debt and finalize a settlement do we calculate and charge our fee, this same philosophy has now become a law by the Federal Trade Commission as of October 2010. So while these other companies are conforming to the law and some others trying to circumvent the new law, it appears that we were pioneering it. Other companies have programs that can last as long as 60 months. Our experience in the business has shown that going beyond 36 months can often be problematic due to potential hazards that surround delinquency such as law suits, late charges, interest fees, etc. We are upfront and honest about debt settlement and the pros and cons that go along with it. We are here to advise you on the best course of action to reach your goal of becoming debt free. We look to be held accountable by our clients and operate in transparency to them.

ACI provides budget analysis and tips customized for you

ACI not only provides debt settlement services, we also provide an overall budget analysis at the at beginning to better serve you with the tools you need to become debt free and more importantly remain debt free the rest of your life. We offer helpful and useful tips on how and where to cut costs out of your budget for extraneous expenses or expenses that can be reduced. Living debt free is a way of life, not a 12-36 month program. We get to the root of the problem and fix the issue, not put a Band-Aid on it.

ACI negotiates for results

Our Debt Settlement Program is an innovative solution for consumers struggling with large debt burdens and who desperately need relief. ACI uses debt negotiation with a goal of dramatically lowering your debt levels and helping you avoid Bankruptcy. Our goal is to save you the most possible money and to get you debt free in the shortest amount of time.

ACI's negotiation experience makes a difference

Our consultants are thoroughly trained in debt negotiation and are up to date on debt settlement matters and the rules of the FDCPA, which enable them to guide you and protect you through this process. Our strategies have been developed over many years of working in the debt settlement business with great success. Here at ACI, our counselors work for you by negotiating a settlement whereby you only pay a portion of what you owe - often 50 cents on the dollar, or even less! Our relationship with creditors and our knowledge of the debt settlement industry allow us to get you the best possible settlement.

At ACI, we are debt relief specialists. We can present to you each of the ways to get out of debt and we can analyze your situation to help you decide what is best for you. Join the rest of our clients and become part of our “Biggest Savers” today!