We negotiate your settlements for you. Your current level of unsecured debt will be skillfully negotiated for you, and essentially you will end up paying a fraction of the debt. Generally, we reduce your debt by 40-60% of the current total. Low, affordable monthly payments. We will set you up with an affordable monthly payment, which is determined on a client-by-client basis between you and a counselor at Debt Help Experts. Based upon what you are able to pay each month into your settlement account, we can determine how many months you will be part of the program and ultimately be debt free. Throughout the program, we communicate with your creditors on your behalf and assist you when dealing with aggressive, confrontational and abusive creditors or collectors.