Qualification:

0. Debts between $5,000 and $100,000.

1. Bank credit cards.

2. Delinquent leases or rent.

3. Leases or rental equipment.

4. Old past due payable(invoices,statements,bills).

5. Disputed bills or invoices.

6. Lawsuits, judgments, and mechanics liens.

7. Advertising billing.

8. Contractor and construction lawsuits and disputes.

 Not accept the following cases.

1. Current Debts.

2. Secured Debts. Ex. Car, Boat, Home Mortgage.

3. Federal and state tax debts or liens.

4. Government Secured Student Loans.

5. Spousal Support.

6. Alimony.

7. Child Support.

8. Disputes in amounts over $200,000 per single dispute or lawsuit.

9. Case already assigned to the Debtors attorney.

10. Bankruptcy or related bankruptcy filings.

11. Case that require legal knowledge and the practice of law.

1 - What if I'm not delinquent on my debts?

Our debt solution services are designed to help people who would like to improve their debt or credit situation, whether they're delinquent on their debts or not.  Even if you're not delinquent on your debts, we still may be able to help you improve your financial situation and increase your financial freedom.  Contact us today for more detailed information about the services we offer for clients like you 

 2 - What is unsecured debt? 
Unsecured debt includes credit cards, medical bills, and personal loans. It is generally any debt that arises from a contract you enter into with a creditor which enables you to obtain goods or services on credit in exchange for your promise to pay (compared to secured debt where you receive credit by putting something of value up as collateral – like a car or a house).
3 - Can I choose which debts I want to resolve or do I have to include all of them?
You may select which debts you would like us to resolve on your behalf. Everyone has a different situation or set of circumstances they are trying to deal with. With this in mind we will customize a program that will help us best target the debts you would like us to work with you on.
4 - Will you keep my information private?
Absolutely. We are 100% committed to maintaining complete client confidentiality and privacy. Our #1 goal & prioirty is to help protect your rights and privacy under state and federal law.

 5 - How do I get started?
Make your first step toward financial freedom today by calling us today to discuss your financial and debt situation. You can contact us at 408-531-9799

 6 - Why can't I deal with the creditors and bill collectors myself?
You certainly can.  But our question to you is: Why would you want to?  Creditors and bill collectors can be intimidating, obnoxious, and down-right mean.  We understand that simply answering their telephone calls is a source of great stress for most people.  That's why we're here. 

And we have a couple of advantages that you don't:

1) We deal with creditors and bill collectors everyday – it's our specialty

2) we have over 50 years of combined experience in the collection industry – on the consumer side and the creditor side (in other words, we know our stuff!).

 7 - Will my creditors continue to call me when I am in your program?
We act as your limited power of attorney and notify creditors of this fact so their harassment and calls should be greatly reduced and may end all together.

 8 - How long will the program take?
While the amount of time necessary to complete the program will depend on your specific situation, our goal is to help you  completely eliminate your unsecured debts in about 12-36 months – and many times even sooner than that. To find out how quickly you could be debt-free, please Contact Us Today!

 9 - How much money will I save?
We generally save our clients like you between 30% and 60% on their total unsecured delinquent debt balance.  How much you save will depend on how much debt you have, what type of debts you have, who the debts are with (for example the original creditor or a collection agency) and numerous other factors.
We understand that every person's debt situation is unique – that's why we tailor a solution to fit your needs and goals.  To get a better idea of how much money we could help you save on your unsecured debts, please Contact Us Today
10 - How will your program affect my credit
We do not report to the credit bureaus. Since your outstanding debt is being resolved by way of settlement, future creditors will see that you have made a concerted effort to resolve your debt instead of filing for bankruptcy.
Currently, there are hundreds of people using our debt negotiation services to honorably pay back an agreed-to, reduced amount to their creditors. The positive end result for those who enroll in our program is a credit report that shows debts as paid instead of unpaid.  Your high debt-to-income ratio will decline and you may begin to see improvement in your credit in as little as six months. To take the first step toward improving your credit, Contact Us Today!
11 - How do I qualify for your debt negotiation program?
Recognizing that everyone's financial situation is different, Sunlight Debt Solutions will customize a solution to fit your needs and allow you to meet your financial goals. Please Contact Us to learn more.
12 - Will all of my unsecured debt be eliminated after I have finished your program?
Yes. If you faithfully follow our program guidelines you can expect to be free of all of the unsecured delinquent debt that you reported to us by the end of the program.

 13 - Should I file for bankruptcy?
Bankruptcy can have an extremely negative effect on you financially and is designed to be your last resort.  You are required by law to consult a licensed attorney before declaring bankruptcy, and since Congress passed new bankruptcy laws in 2005, it is more difficult for a person to even qualify for bankruptcy.  Debt Negotiation is considered the "#1 Bankruptcy Alternative", call us today to discuss whether or not our services can help you before considering filing for bankruptcy.

 14 - Should I try to get a loan?
Our knowledgeable representatives will analyze your situation and recommend the best possible solution to get you out of debt in the shortest period of time while saving you the most money. A loan may or may not be part of this solution. A high-interest loan obtained on your own, however, is probably not the answer. If a loan is needed, our representatives will ensure that you get one that fits your needs and goals.

15 - How much do you charge for debt negotiation? 

Program fees vary depending on the type of program that fits you best.  But our goal is to help you get out of debt and achieve financial freedom – not send you deeper into debt with outrageous fees.  Contact our company today to find out more about the kind of program we could tailor to meet your needs. Once we discuss your specific situation, we will provide any fees in writing for your review.

 16 - Other Questions?

If you have questions that we haven't answered here, please Contact Us!  We'd be happy to provide you with more details about our debt negotiation services, our process, and how we can help you achieve financial freedom, as well as answer any additional questions you may have