Our "Fresh Start Debt Relief" Program Is For You If You Would Like To:

• Settle your unsecured debt for lower amounts
• Improve your debt-to-income ratio
• Avoid bankruptcy and the stigma associated with it
• Stop using credit cards to subsidize your expenses
• Reduce harassing debt collector phone calls
• Lower your stress and get a fresh start!

Backed by a Service Fee Money Back Guarantee.

Debt Settlement

BlueChip Debt Relief specializes in debt settlement, also known as debt negotiation or debt relief. Debt relief is a process by which the creditor agrees to a reduced pay-off amount in exchange for full settlement of your credit card and other unsecured debt. Settling debt accounts with creditors is usually done with single lump-sum payments, but may include restructured monthly payments. In turn, the creditor agrees to report to the credit bureaus that the debtor no longer owes them anything. The amount a consumer, self-employed professional or small business can afford to pay back their creditors is based on the limits of their financial capability.

Debt Reduction

Debt Reduction is the cheapest and fastest way to lower debt amounts available to consumers, self-employed professionals and small businesses. The following types of debt qualify for our program: credit cards (personal or corporate), lines of credit, vendor/supplier accounts, collection accounts, judgments, balances left over from auto repossessions, medical bills, professional fees (accountant or attorney fees, for example).

Debt Relief

Another important qualification for our "Fresh Start Debt Relief" program is insolvency. That is, your expenses exceed your net income or cash flow or, your liabilities exceed your assets. Many of our clients are in need of debt relief because a financial hardship has resulted in them becoming insolvent. Being in a state of hardship is broadly defined and deals with a number of financially catastrophic events, from loss of employment and divorce, to overwhelming medical bills, to delinquent A/R (accounts receivable) or anything else that may have caused a consumer, self-employed professional or small business to accumulate high credit card or debt balances and become unable to pay them back. If your current financial condition affords ample disposable income to at least pay minimum payments, then you or your business do not qualify for any of our debt settlement programs.

Avoid Bankruptcy

Many of our clients seek our services as a way to avoid bankruptcy. Debt settlement programs are designed to help clients get out of debt in the least adversarial way possible by avoiding costly legal fees and court actions. Our programs are solely based on the client's financial capability and are flexible and can be modified to accommodate special changes to the client's income and expenses without disrupting the program. Bankruptcy will stay on your credit report for 7-10 years and is a matter of public record so others can find out about it. So even when you apply for a loan or job many years down the road, you may be obligated to answer "Yes" to "Have you ever filed bankruptcy?" When you factor in the emotional consequences of filing bankruptcy, it makes even more sense for consumers, self-employed professionals and small businesses to resort to it only when all other options have been exhausted.

Bankruptcy Alternative

BlueChip Debt Relief's "Fresh Start Debt Relief" is an innovative bankruptcy alternative for anyone struggling with excessive debt burdens. Our programs offer the lowest monthly payment, shortest time line, and least total cost compared to credit counseling or making minimum credit card payments.

Debt Negotiation

We're confident that BlueChip Debt Relief's "Fresh Start Debt Relief" program is the best solution for many consumers, self-employed professionals and small businesses. However, we also understand that debt negotiation is not for everyone, so give us a call to see if you qualify and find out whether any of our programs are right for you. If you aren't eligible or our programs don't fit your unique situation, we'll refer you to an affiliate that can better service your needs.