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1.888.243.7888       First Name: * Last Name: * Email: * Phone: * Mobile: State: --Select-- Alabama Alaska Arizona Arkansas California Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wyoming * Best Contact Time: --None-- AM PM Total amount of unsecured debt must be $10,000 or more.   Debt Amount: --None-- $10,000 - $19,999 $20,000 - $29,999 $30,000 - $39,999 $40,000 - $49,999 $50,000 - $59,999 $60,000 - $69,999 $70,000 - $79,999 Greater than $80,000 *   Enter Code Above:

Business Debt Commercial Debt Credit Cards Unsecured Loans Unsecured Personal Lines of Credit Collections, Autos in Repossession Unsecured Personal Loans Medical Bills Cashcall Loans Jewelry Accounts Federal Tax State Tax Property Tax Student Loans Secured Debts Government Loans Lawsuits, IRS Debt / Taxes Utility Bills, Auto Loans Home Loans / Mortgages FAQs/Questions: We have tried to be complete but succinct on our site--but maybe there are still a few questions. See if any of your questions are answered below, and if not, drop us a line . Q. How can restructuring, through a commercial Debt Management Program, solve my immediate financial difficulties? Q. When is the best time to restructure my business related debt? Q. Why can't I just negotiate with my creditors on my own? Q. How can NFS satisfy my creditors with such small monthly installment deposits? Q. What if I personally guaranteed some of my business related debt? Q. What if a creditor is about to sue me, has already involved a collection agency or has already obtained a judgment, and refuses to settle? Q. How will a program that restructures my debt affect my credit? Q. Can NFS also help resolve old Debt? Q. How can I maintain vital supply lines with priority creditors? Q. How much will it cost me to use NFS's commercial Debt Management program to restructure my debt? Q. When does Newport Financial Services begin settling my debt? Q. If I miss a monthly payment to Newport Financial Services, will I be dropped from your program? Q. How do I find out the progress of my debt settlement? Q. I have a flexible monthly income. Can I still participate in the program? Q. Are my creditors going to continue to call me? Q. Will my creditors call me at work? Q. Will my creditors continue to contact me by mail? Q. Will this program have a negative effect on my credit? Q. Who do I call if I have a question about the program or a problem with a creditor? Q. Do I have to include all of my creditors into the program for settlement? Q. How long will it take for me to become debt free? Q. What if my creditors won't settle? Q. Will Newport Financial Services stop late fees and interest from accruing on my account? Q. How can restructuring, through a commercial Debt Management Program, solve my immediate financial difficulties? A. Debt Management Program restructuring, by NFS, will include immediate measures to help preserve your assets and eliminate the burden of dealing with creditors, collection agencies and attorneys. Your company will receive a fresh start by reducing your delinquent debt by as much as 70 percent without the costs or negative impact associated with litigation or bankruptcy. Instead, the delinquent business debts that you submit will be consolidated into one simple monthly installment deposit that you can afford. This will free up vital cash flow as well as your time for developing the business. Top... Q. When is the best time to restructure my business related debt? A. When your cash flow is inadequate to cover your monthly payables. This can happen if your business is cyclical and is in a slow period, or if days sales outstanding increase because your customers are paying your own account receivable late. Wether your difficulties were caused by the loss of a large customer or an industry slow down, NFS provides a better alternative without additional financing, or need for any personal guarantees. Even if you are planning to sell your business, a Debt Management Program that restructures your debt will add significant value (from the balance sheet enhancements associated with reduced debt, to stronger free cash flow projections as a result of differed installments). If you need protection from lawsuits, bankruptcy of foreclosure, or you simply want to end harassing creditor or collection agency calls NFS can help. Top... Q. Why can't I just negotiate with my creditors on my own? A. A commercial Debt Management Program will get you out of debt with submitted creditors faster and more efficiently than you could generally manage on your own. Most creditors prefer to deal with an intermediary who will intercede to assure the business has a realistic plan to restore its financial health that is fair and equitable to all cooperating creditors. Furthermore, NFS can stop late charges, and get over limit fees and interest charges waived. At the same time, we will assure cooperating creditors that measure are taken to prevent litigation creditors from by-passing the process or gaining a priority status. And since an NFS restructuring program yields more to creditors than litigation or bankruptcy, self interest compels creditors to agree to a professionally managed plan that is realistic. Top... Q. How can NFS satisfy my creditors with such small monthly installment deposits? A. Creditors are provided with flexible options that range from an immediate reduced settlement payment to a deferred installment payment in full. The final settlement and payment priority relate entirely to the time extension a creditor is willing to give you. Most important to you is that the mediation of a realistic restructuring solution, to satisfy your creditors, is always based on options within a budget that your business can currently afford. This is achieved through the disclosure process during mediation, that again compels cooperation. Top... Q. What if I personally guaranteed some of my business related debt? A. Most new and small businesses have no choice but to sign personal guarantees for loans, leases, inventory and credit. It is uncommon for owners to be bound to these debts even more if personal credit cards were used to advance business related expenses. If you have personally guaranteed business debts, and the business is having difficulty, is involved in collection efforts from a third party, is closing, or is closed, your personal obligation remains even after the business is gone. In most situations, you will be liable for the original debt or judgment, plus interest, credit specialist fees, costs and expenses. By contacting NFS, at the first sign of financial difficulties, a full compliment of options available to reduce or restructure your debts ( including protection from any levies ) will be preserved on your behalf. Top... Q. What if a creditor is about to sue me, has already involved a collection agency or has already obtained a judgment, and refuses to settle? A. The best opportunity to negotiate a satisfactory resolution, with an angry creditor, is prior to the filing of suit or placement with an agency. Therefore NFS could be brought in to help take charge as soon as a business experiences financial difficulties, whenever possible, to prevent escalating costs. However, we can negotiate a reduction in most collection agency placements, court judgments, and arbitration awards rendered against you or your company, and restructure a lump-sum obligation into deferred installments. Once NFS is involved, there is no justification for creditors not to settle on your terms. The DMP mediation and disclosure process compel the acceptance of one of our settlement options, as the only logical alternative for a creditor to get paid. And, this puts you back on the road to financial health. Top... Q. How will a program that restructures my debt affect my credit? A. Unless you currently have perfect credit, making reduced payments on a debt that has been decreased or deferred through a Debt Management Program, will more thank likely have a positive effect on your credit report. Since debt restructuring increases your free cash flow while reducing total debt, your improved capacity to repay debt will enhance your ability to obtain credit. In some cases we can even get creditors to re-age your account, meaning they will report you current again. Then by facilitating consistent, monthly payments, the DMP will help you re-establish a favorable credit history. Top... Q. Can NFS also help resolve old Debt? A. Old debts have a derogatory impact on your credit report and many even prohibit you from obtaining critical vendor credit lines or new financing. If you or your company have old business related debts, call us for help today. We can reduce and/or restructure them, and clearing them off your books will give you a fresh start. Top... Q. How can I maintain vital supply lines with priority creditors? A. Since you select the debts to be submitted for restructuring, you have the option to exclude any creditor. Furthermore, you can always add them to the program at a later date. However, NFS understands the importance of vital supply lines with key vendors that are critical to your business. Simply designate a "critical supplier" status to these creditors and we will negotiate to maintain an ongoing relationship as part of the restructuring mediation. Top... Q. How much will it cost me to use NFS's commercial Debt Management program to restructure my debt? A. Since NFS guarantees that the total of all installments paid to creditors, including fees, shall be less than the aggregate total due to creditors you submit, our services cost you nothing. In fact, we guarantee to save you money or our services are free. All of the NFS's services are compensated solely for performance, based upon the amount of debt that is reduced, eliminated or restructured based upon what you can afford. If you have at least $10,000 in business debt and can afford at least $1,000 in monthly installments to satisfy all of your creditors, contact us today for a free evaluation and quote with no obligation. Top... Q. When does Newport Financial Services begin my debt relief? A. Once you have fully retained our services, your creditors will be notified immediately and Newport Financial Services will begin the settlement process. However, we can only settle a debt once the full funds are available in your settlement account. Top... Q. If I miss a monthly payment to Newport Financial Services, will I be dropped from your program? A. No. Simply call our customer service department and we will arrange payment over the phone. It is understandable that circumstances may arise and we will help you get back on track with your payment schedule. Top... Q. How do I find out the progress of my debt settlement? A. You can Call Us: 888.243.7888, Monday thru Friday from 8am - 5pm PST to speak with a customer service representative. You will also receive monthly reports that will keep you informed of the activity on your personal settlement account. Top... Q. I have a flexible monthly income. Can I still participate in the program? A. Yes. Our fees and payment schedule are on a client-by-client basis. We will figure an affordable and simple plan for your unique situation. Top... Q. Are my creditors going to continue to call me? A. We immediately notify your creditors that we are representing you and demand they stop contacting you. It usually takes about 30-60 days for them to stop contacting you. In the meantime, you will keep a creditor log of every phone call or letter that you receive from a creditor and report it to us. Top... Q. Will my creditors call me at work? A. They may attempt to contact you at work, however, once we have notified them of your enrollment in our program, the phone calls will stop altogether. Top... Q. Will my creditors continue to contact me by mail? A. Your creditors may also attempt to correspond with you by mail; however, you will then immediately contact Newport Financial Services and report this correspondence. We will handle all of your creditors and collectors on your behalf. Top... Q. Will this program have a negative effect on my credit? A. The Debt Settlement Program may have a short-term negative effect on your credit profile. However, once negotiated and settled, your creditors will report the accounts as "settled" or "paid in full". Once you have completed the program and you are debt-free, we have affiliate companies available to help you re-establish your credit profile. Top... Q. Who do I call if I have a question about the program or a problem with a creditor? A. Upon enrollment, you will be given an account number and and will be able to contact an account representative who will be handling your case. You can talk directly with any account representative whenever you need to discuss a problem or concern. Top... Q. Do I have to include all of my creditors into the program for settlement? A. No. We recommend that you keep open at least one credit card. Any accounts that are included in the settlement program will have to be closed immediately. Creditors won't settle accounts that are still open. You should keep one credit card open for emergency use only. Top... Q. How long will it take for me to become debt free? A. It typically takes about 18-24 months after we've negotiated the total amount of your debt down to 40%-60%. This includes all fees. However, it could be much sooner depending on your individual situation. Top... Q. What if my creditors won't settle? A. Creditors know that if they don't settle for even a fraction of the debt, they will most likely get nothing. Creditors aren't dumb and they know that at a certain point, they have to take what they can get! Most of them will settle very quickly, wouldn't you? In the rare event that a creditor won't settle with our offer, they will return with a counter offer that will be favorable to you. Creditors know that if you declare bankruptcy, then they will get absolutely nothing, and that is what they are trying to avoid. Top... Q. Will Newport Financial Services stop late fees and interest from accruing on my accounts? A. Newport Financial Services cannot stop a creditor from adding interest or late fees to an account. However, your individual program will reflect those fees and/or interest, and is incorporated into the Settlement Program. Because we negotiate the debt down to a fraction of what you owe, your savings are far greater than any interest or late fees that could accrue. Top...

Individual results may vary and are based on ability to save funds and successful completion of all program terms. Our Debt Settlement program does not assume or
pay any consumer debts, and does not provide tax or legal advice.Program is not available in all states. Read and understand all our contract terms prior to enrollment.
3419 Westminster Avenue, Suite #189 Dallas, TX 75205, Toll Free: 1-888-243-7888 Fax: 1-888-243-7810