Sadaf Omidy

Debt Reduction & Forgiveness

You worked hard for your money. Let me fight for it back.

Overwhelming personal and business credit card debt and unsecured loans don't have to define your future. I negotiate directly with creditors to work toward reducing — and in many cases forgiving — up to 30–60% of the principal and interest on your debt, while the remaining balance is repaid on a plan you can manage.

Results vary based on individual circumstances and are not guaranteed. Debt settlement is not a loan, credit counseling, or credit repair service; it may temporarily affect your credit score and could have tax consequences. A consultation is required before enrollment.

Debt Settlement Package

Negotiation and settlement for credit card debt and unsecured personal or business loans — based on your account's status.

Delinquent or Collection Accounts

If your credit card, personal loan, or business loan account is delinquent, in collection, or in pre-litigation or litigation, we review the account and work toward negotiating and reducing the debt.

  • $300per account

    Accounts not in pre-litigation or litigation

  • $600per account

    Accounts in pre-litigation or litigation

Current Accounts With No Late Payments

If you're looking for a significant reduction in debt (roughly 30–60% of principal and interest), we review your case to determine the most suitable payment plan, short- or long-term.

Pricing and the debt-reduction percentage vary by bank, account type, and the specifics of each case.

Debt settlement results vary by individual and are not guaranteed. This is not a loan, credit counseling, or credit repair service, and it may temporarily affect your credit score and have tax consequences. A consultation is required before enrollment.