Learn more about KVIS Debt Settlement Program Here

Debt Arbitration, Debt Settlement, Debt Reduction, Debt Relief, Debt Negotiation, and Debt Consolidation.

Knowledge is the key to success. Our program uses our team of experts to arbitrate your debt for you. We take you by the hand, step-by-step, to help you legally, ethically and morally get your debt eliminated.

An essential part to this Debt Arbitration Program is education. This is both ESSENTIAL to your understanding of the Debt arbitration process and CRITICAL to your future financial stability & wealth building success.

Before starting the debt arbitration program, you will receive a financial education that will provide you with the foundation of understanding of how our legal and financial system really works. You will get an in-depth understanding of money and economics, as well as information, education and access to numerous experts in several areas.

We are frequently asked the difference between all of the choices you have. There are quite a few differences, and the following will give you an excellent grasp of some of them. Of course, we always recommend you contact us for a free consultation, but this information may be helpful when deciding how you would like to beat your debt.

When it comes to eliminating your unsecured debt, there are ultimately five (4) options to choose from - none of which are easy. KVIS recognizes that every client's situation is unique. Our expert staff will help educate you to better understand these options so you can make an informed decision.

There are two kinds of bankruptcies for individuals - Chapter 7 and Chapter 13. But you may be required to give up some property in exchange for the erasure of your debts or payoff a portion of your debts over three to five years.

It may seem to be the quickest solution to removing your outstanding debt, and bankruptcy attorneys will tell you it will only remain on your credit for 7-10 years. However, almost all credit applications today ask the question, “Have you EVER filed bankruptcy?” Even if the bankruptcy has fallen off your credit report, to answer this question untruthfully is considered a federal offense. Bankruptcy is a permanent decision that will follow you for the rest of your life; therefore, it should only be considered as an absolute last resort to solving financial matters.

Consumer Credit Counseling Services
We work for you, CCC Company's work for your creditors. CCC's do not work on reducing the principle balance for you. They may be able to reduce the interest rates if the creditors you have allow it. With a CCC program you still pay the balance you owe PLUS interest. In return your creditors will show that you entered a CCC program on each of your credit reports with the 3 major Bureaus. Unfortunately lenders look at this remark negatively, and will not approve you for any type of new home or auto loan while the CCC is on your report. Our program is confidential, We are not required to report anything to the credit reporting agencies, and we will not. CCC's also make a lot more money than they lead you to believe. Your creditors kick back a percentage of each and every payment, and the "CCC" organization will usually still charge a monthly fee. Simply put, "Credit Counseling Companies are paid by creditors to be their debt collectors." (Source: Ray Martin, financial advisor, CBSNews.com, June 26, 2002)A CCC plan will have a negative impact on a credit worthiness decision by a potential creditor, landlord, or employer in the future. In addition, creditors will report that you are on a CCC plan and are not paying as originally agreed although they have accepted the reduced payment.

Prior to the introduction of Consumer Credit Counseling companies, Americans had very few options to deal with debt reduction, other than filing bankruptcy. CCC organizations were originally set up by a major credit card company in the early 1980’s as a means of recovering money from thousands of people that were starting to fall behind on their payments. They disguised themselves as “non-profit” organizations and were able to put on a friendly face, all the while working to collect money for the banks. Truth is, over 50% of all people who start a CCC program never actually complete paying off their debt. The reason is simple. CCC companies work for the creditors. These companies DO NOT reduce the total debt you owe, but rather “sells” you on the concept of combining your total monthly payments into one payment - often times higher than your regular monthly minimums. Immediate monthly cash relief is what most people seeking debt assistance need. CCC doesn’t always provide monthly relief, and as consumers soon find out, the new payment has a relatively minute impact on the total outstanding balances. Hence, the 4-6 year plan they were originally told, turns out to be much longer.

Debt Settlement (KVIS)

KVIS debt settlement program is the most effective method to help consumers legally get out of debt. We work for you not the creditors, ensuring the best possible results for you and your family.

In today’s economy, consumers are demanding the most effective means to resolving outstanding debt. Debt arbitration offers you an intelligent solution to becoming debt free within a realistic time frame. By reducing your total outstanding credit balances up to 65% with an effective 0% interest rate, people can begin to realize the only alternative to regaining control of personal finances is by negotiating the total balances, rather than just reducing interest. Debt arbitration is the best debt reduction option as it creates an environment that totally benefits the consumer. We save you the most amount of money possible, we are a confidential program, we don’t have to report to the credit agencies and will not.

KVIS does not see this as a viable option, although there are a number of consumers who do. In order for things to change, you must change. Doing the same thing over and over will only yield the same results. If you enjoy how your current situation is making you feel, don't do a thing. However, if you are ready to regain control of your financial destiny and make your life less stressful, then its time to talk with one of Credit Solutions credit specialists.

There are great numbers of companies offering innumerable solutions to debt. This makes it difficult to understand which company will provide the appropriate course of action a client may pursue. As each situation is different and a function of many elements, the choice becomes even more complex. Ultimately, decisions should be made as informed as possible.

Understanding Debt Settlement

Debt Settlement is when an impartial third party (KVIS) works to reach a favorable agreement for both parties (you and your account providers) concerning the repayment of the outstanding debt comfortably.

KVIS specifically reduces your current outstanding total balances legally, ethically and morally up to 65%, which INCLUDES ALL FEES charged by our company

Get rid of your unsecured debt based on your “Ability to Pay” not what the creditors say you “Have to Pay”

Pay your accounts off at an EFFECTIVE 0% interest rate

Legally Get out of Debt FASTER than you ever thought possible

Put an end to creditor harassment, and get back to living a stress-free lifestyle

KVIS accomplishes this within 6-46 months with a lower monthly payment than any other debt settlement option.

KVIS involves a team of professionals who negotiate an agreed payoff amount with your creditors. KVIS is NOT a consolidation loan or Consumer Credit Counseling Service.

Here at KVIS, our plan is to help you break free from your debt burden. Our experienced staff takes great pride in helping individuals and families turn their current financial situations into a fresh start while placing immediate relief from the unaffordable monthly payments and/or insanely high interest rates creditors LOVE to charge.

KNOW YOUR RIGHTS!

You do have rights to protect you from predatory practices that some creditors or collection agencies use to collect bad debts. In order to protect consumers from such practices, the Federal Trade Commission (FTC) has published the Fair Debt Collection Practices Act (FDCPA). The FDCPA requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Of course, the law does not eliminate the debt you owe. You are still responsible to repay these debts but the FDCPA governs the way collectors deal with you.

Some restrictions on collection practices by the Fair Debt Collection Practices Act: Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, debt collectors may NOT: use threats of violence or harm; publish a list of consumers who refuse to pay their debts (except to a credit bureau) use obscene or profane language; or repeatedly use the telephone to annoy someone. False statements. Debt collectors may not use any false or misleading statements when collecting a debt. For example, debt collectors may not: falsely imply that they are attorneys or government representatives; falsely imply that you have committed a crime; falsely represent that they operate or work for a credit bureau; misrepresent the amount of your debt; indicate that papers being sent to you are legal forms when they are not; or indicate that papers being sent to you are not legal forms when they are. Debt collectors may NOT state that you will be arrested if you do not pay your debt or that they will seize, garnish, attach, or sell your property or wages, UNLESS the collection agency or creditor intends to do so, AND it is legal to do so. They are also prohibited to state that actions, such as a lawsuit, will be taken against you, when such action legally may NOT be taken, or when they DO NOT intend to take such action. Debt collectors may not: give false credit information about you to anyone, including a credit bureau; send you anything that looks like an official document from a court or government agency when it is not; or use a false name. Unfair practices. Debt collectors may NOT engage in unfair practices when they try to collect a debt. For example, collectors may NOT: collect any amount greater than your debt, unless your state law permits such a charge; deposit a post-dated check prematurely; use deception to make you accept collect calls or pay for telegrams; take or threaten to take your property unless this can be done legally; or contact you by postcard.