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Debt Assumption is growing in popularity as it is becoming more widely known.  This program does not qualify the client for income or any other thing.  It qualifies the type of account it will take.  Major bank issued credit cards, signature loans, private student loans, store cards, gas cards, and some business debts are usually qualified. 

The company assumes the debt legally, then makes an offer to the creditors of new terms and conditions that are favorable to the client.  When approved, the company takes over paying monthly payments according to the new terms.  When a new statement is sent after receiving the payment, the company assesses penalties for breaches of the new terms.  Those penalties offset the debt. 

The program takes about one year, and credit repair is provided for enrolled accounts.  The company also handles any lawsuits that may occur during the program, within restrictions.

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