Mortgages and Equity Lines
For a modest fee (from 1% to 3% of your mortgage balance) RISK FREE can negotiate new arrangements with your lender to deem your loan current. Secured Debt Fees »

RISK FREE GUARANTEE: If we can’t get your lender to make an offer which would treat your loan as current, you don’t pay for our negotiating efforts!

Vehicle Loans
For a modest fee (from one to three of your monthly payments) RISK FREE can negotiate new arrangements with your finance company to bring or reclassify your loan, based on the new arrangements, to a current status. Secured Debt Fees »

RISK FREE GUARANTEE: If we can’t get your lender to make an offer which would treat your loan as current, you don’t pay for our negotiating efforts!

Other Secured Debt

For modest fees (usually ranging from 1% to 3% of the loan balance) RISK FREE can negotiate new arrangements with your creditors to bring or reclassify your loan based on the new arrangements, to a current status. Secured Debt Fees »

Government or Third Party Guaranteed Loans (Student & Small Business Loans)

Because certain creditors enjoy the prospect of full repayment of any loan which has been guaranteed by a third party institution such as a US or State Government agency, the creditor has no incentive or practical reason to agree to reductions in the principal amount of such loans. This is why these guaranteed loans do not qualify for negotiation under RISK FREE’s guaranteed programs for settling unsecured debts. Even so, RISK FREE can still assist you in making arrangements to bring these types of loan current. For this service, RISK FREE asks only a modest fee (usually ranging from 1% to 3% of the loan balance). Secured Debt Fees »