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   How Debt Settlement Works

Program Details
Our Debt Settlement Program is actually quite simple. Your current level of unsecured debt will be skillfully negotiated for you, and essentially you could end up paying a fraction of the debt. We will set you up with an affordable monthly settlement program payment, which is determined on a client-by-client basis between you and a counselor at Emerson & Douglas. Based upon what you are able to pay each month into your settlement account, we can estimate how many months you will be part of the program, and ultimately get back on the path to financial freedom.

Upon enrollment, we will comprise a file of creditor notifications so we may contact them at the appropriate time based on your individual circumstance, and let them know that we are now representing you, and also let them know of your interest in settling your debt with them. Reaching a settlement usually takes several phone calls and communication between Emerson & Douglas and the creditor. Once a settlement offer has been reached, and you as the client have agreed on this amount, we will obtain that settlement offer in writing from the creditor and will then advise the client on how to disperse funds to the creditor.

At that point, the creditor has accepted the payment in full, and you account is considered settled. Emerson & Douglas will diligently continue to work on negotiating all of your debts, until you are finally free from the once overwhelming debt that you started our program with.

Our main goal is to get you out of debt. We work only for our clients; not for the benefit of the creditors. Getting out of debt is the first step to becoming financially secure, and debt settlement may be your best option

Our Vision & Values

Emerson & Douglas Associates, LLC's negotiation process has been tested and developed by our team of professionals in the field of finance and credit card debt. Our professionals are highly skilled in each of their fields of expertise.

Our vision is to be able to utilize our specialized skills to help reduce the debt of our clients and help them live a financially healthy lifestyle. Our services go beyond just settling debt. We try to form a positive and growing relationship with all of our clients to help reduce the stress and anxiety of overwhelming debt.

Furthermore, creditors are often looking to avoid the ineffective and costly efforts of an outside collection company. Emerson & Douglas Associates, LLC strives to maintain a professional and cooperative relationship with the creditors in order to reach the most favorable settlement offers for our clients. We work for you, not for them, and we don’t make any decisions without the approval of our clients. We work directly, and 100% for you.

Debt Settlement is a legitimate way of solving your problem without the need for bankruptcy. Our representatives work each case individually to determine your eligibility and then, if you qualify, they will establish a program that allows repayment of the debt through affordable monthly settlement program payments. This approach reduces your debt vs. consolidation options.

For more information fill out the Free Consultation form on the right side of the home page. At Emerson & Douglas Associates, LLC Representative will contact you to discuss how to get started today. There is no cost or obligation
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Emerson & Douglas
Emerson & Douglas Associates, LLC 26 Ermer Rd. Salem, NH 03079 Phone Number: 1-888-939-1115
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* Disclaimer: Individual results may vary based on ability to save funds, amount of debt, willingness of creditors to negotiate, and the successful completion of all program terms. Program does not assume or pay any debts, nor provide legal or tax advice. Prudence should always be taken by consumers when reviewing contracts and disclosure materials. Emerson & Douglas Associates, LLC services not available in all states. For more details see our Disclosures page.
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