Our program is best suited for business owners:

• That can’t afford their existing debt payments but want to pay them off at a pace they can realistically afford.
• Who need to protect their assets from aggressive and secured creditors but don’t want to file for bankruptcy.
• Don’t want to go deeper into debt by borrowing again at high, unsustainable rates.

Basically, what we do is take a large amount of unaffordable debt and make it affordable to you. We take what you can afford monthly, lets call that your budget, and use that to negotiate with the creditors you submit. We do this by offering settlements ranging from pennies on the dollar to payment in full. There are no time limits for settlements. Some creditors may settle after receiving our first set of offers, and others may be resolved later on. You just don't have the cash flow to pay them if they all settle at once. Our goal is to offer affordable repayment terms that fit within your budget. One of the ways we do this is by stretching your repayment terms over time buying time before and after we settle. Most importantly, you can refer harassing calls from collection agencies and attorneys to us so you can get back to work.

All types of business debts including Cash Advances, Credit Cards, Suppliers, Loans and Leases. And we routinely settle lawsuits, judgments and secured debts as well. Even with Personal Guarantees.

We don’t promise any specific outcomes but Clients that completed our program paid back 89% of their debt over 35 months on average. That included the cost of our services.

Our clients finish our program usually between 2-4 years, sometimes faster, sometimes slower. The more you pay monthly, the faster you’ll get out of debt, it’s that simple. But I want to stress that we encourage our clients to use as little as their precious cash flow as possible because when cash flow is tight, it’s better to commit to paying back less, than more. And then, if cash flow improves, you can always pay more and get out of debt faster.

As our client, you'll have 24/7 access to the latest information regarding your restructuring through our secure website. Your Dashboard will give you over a dozen reports regarding your account.

There you will be able to review current account information including:

• The background and experience of your Restructuring Team.
• A Comprehensive Creditor Report which details everything you need to know about the status of negotiations and settlements with your creditors. We even divulge the most recent settlements we've made with your creditors.
• Your Monthly Transaction Statement which shows where every penny of yours is going.
• Your Rate of Funding: The average monthly rate you've paid back toward your debts. Here you can see the amount you've funded, the gross debt you have in the program and how long you've been in the restructuring.
• Your Funding Progress: View graphically the consistency of your funding for the previous 12 months.
• Payments Scheduled for Creditors: Check which creditors are due to be paid according to new settlement terms.
• Needed Documentation: Pertinent and timely information that CT needs from you in order to optimally resolve your debt.
• Net Savings and Net Cost: The amount we've reduced your debt by compared to the cost of our services.
• The Finish Line: Review how much debt you have left and how long it will take to pay that off.
• And much more.

The truth is that Clients may have to temporarily sacrifice their credit score to save their business. Whether they’re in our program or not, their credit score will decline if they don’t pay their debts on time. Our goal is to get them out of debt with payments they can actually afford so they can save their business and continue to provide for their families.