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(The decision to file bankruptcy or seek an alternative is at the discretion of the consumer)

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.
Fees and conditions apply. Individual results may vary and are based on ability to save funds, creditor policies and successful completion of all program terms. Emerson & Douglas Associates does not assume or pay any consumer debts, and does not provide tax or legal advice. Program not available in all states. Read and understand all contract terms prior to enrollment.

Emerson & Douglas Associates is not advocating that you stop paying your creditors to force them into settlements. Furthermore, we do not encourage you to default on any contracts that you have with your creditors. When a payment to a creditor is missed or is late, there can be negative consequences to your credit score. Settlements cannot be guaranteed. Your balances will typically increase during this time period until settlements for all accounts are actually achieved.

The debt negotiation process should only be used in the event of legitimate financial hardship. The negotiation process works best in the event of FINANCIAL HARDSHIP. Although we believe all of the information found on this website to be accurate, it is for demonstration purposes only and should not be construed as legal advice. If you have legal or tax questions you should consult a professional in the appropriate field. Using the debt negotiation process does not guarantee that you will not have to file for bankruptcy in the future. If you have questions about filing for bankruptcy, please consult an attorney.

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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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