Available credit and effective debt management are vital to survival in today's competitive business world. Unfortunately, some decisions made with more optimism than realism can create problems with accounts payable. Even the most conscientious and creditworthy business person can become the victim of circumstances beyond his control . . . economic down turn, inaccurate budgeting, unforeseen expenses, slow paying customers, etc.

When faced with a seemingly insurmountable debt load . . . and creditors clamoring for payment . . . filing for reorganization (Chapter 11) may seem to be the only option. IT'S NOT! Statistically, fewer than 10% of all companies who file for Chapter 11 are ever able to emerge intact. The other 90% ultimately go down forever.

Fortunately, working with creditors, and negotiating a mutually beneficial settlement . . . through third party intervention (UsaDebt411.com) can save a high percentage of companies facing bankruptcy, and can put them back on the path to prosperity. It's simple. Cut your debts by half (or more) and your business receives an instant transfusion of usable capital.


THE COMPANY

UsaDebt411.com is a nationwide firm, based in Nevada, which specializes in financial arbitration. David M. Fishman, founder and chief administrator, is a veteran of over 35 years in the credit, finance and debt management industries . . . including 20 years as a practicing attorney in collection law. Our clients are expertly represented by a large staff of fully-trained professionals, who achieve a high percentage of successful settlements . . . usually for pennies on the dollar.


THE RESULTS

UsaDebt411.com has helped thousands of pressured businesses to save millions of dollars . . . often being given sole credit for saving them from sure bankruptcy. Over 80% of all debts negotiated byUsaDebt411.com are settled to the client's complete satisfaction. The settlements typically range from 50% to 70% of the original amount. In other words, the client ends up paying as little as 35 cents on the dollar . . . sometimes less!

In most cases, even after paying UsaDebt411.com contingency performance fee, clients should realize a NET SAVINGS of around 52%. Of course, if the client does not accept the settlement negotiated by UsaDebt411.com, there is no settlement and no fee is earned.


What is meant in a business setting by the concept "ethical"? Looking it up in the dictionary will tell you that it means: "conforming to professional standards of conduct . . . "

In this context consider:

We intervene in the process as professional negotiators, freely engaged by the troubled party. We then openly interface with your creditors and lay out all the facts of the circumstances he may not be aware of. We then offer a compromise to resolve the problem. We do not, and cannot, force an agreement. Our job is to inform your creditors of the facts of the situation, explore the various scenarios with him and their probable outcome and suggest a resolution that will provide some benefit for both parties. it is solely up to the creditor to decide if the offered compromise is acceptable and beneficial to him. He always has an absolute right of results . . . as do you!

Of course, there is sometimes anger and pain for your creditor who is having the same problem we all are and it is often a painful business decision to feel the necessity of accepting less. But not only does his business sense tell him that the circumstances warrant it, he also has civic concerns. He knows that these are tough times for everyone and he does not want to drive the last nail into the coffin. He knows you are going to pull out of this and come back to him in time. He needs to solid core of a solvent business community around him for his own future well being. This is only common sense.

There is also pain on your part as you are writing checks to your creditors at a time when it is really tough to do so. By accepting a fairly offered compromise brought to him and discussed, shaped, produced and followed through on in a totally ethical manner, he is, in fact, investing in his own future and the future of his and your community.

This is not a situation without problems, but ethical? You bet it is! We benefit both sides to the maximum possible under the existing circumstances. Do you imagine that your creditor does not know this?

In contrast, consider the losses to everyone, particularly those who will not survive this economic crisis.

ETHICAL? We're staking our business life on it