Settle Your Debts For
Less Than What You Owe

If you are at the point of having to decide to pay your creditors, buy food or pay the electric bill you need to contact us. We have a solution.

See How We Can Help

HOW IT WORKS?

Determine Your Savings

See how much you can save and be debt free within 24 to 48 months by speaking with one of our debt experts.

Enroll in the Program

An attorney backed program that stays with you for the entire term you have chosen.

Get Financial Relief

Get your financial freedom back and get that good night’s sleep you so desperately need.

Resolve My Debts

Frequently Asked Questions

Find the Answers to Your Questions About Debt Relief

Why should I use or even trust Top Financial Relief?

Trust is a difficult thing to obtain and more importantly, to keep. We can ask you to trust us but again, we haven’t earned it. So how do we earn it? Once you have opted to use our program your file will be handed over to a Case Manager in our law office. The Case Manager will analyze your current financial situation and the debts you have chosen to enroll. Shortly thereafter you will receive a follow up call. It is during this call that you will be informed of everything that is going to be done on your behalf and each and every move we anticipate your creditors will make. There will be no surprises three, six, or twelve months into the program. you will be made aware of what to expect well in advance. It is then you will see that we kept our word and therefore, very trustworthy. Using us is a “no brainer”, we have the best customer service in the industry.

Is a Debt Relief Program right for me?

Debt Relief is specifically designed for individuals that want to avoid Bankruptcy and be debt free in as short a period as possible. Individuals or families that have assets they want to protect from forced liquidation as a result from Bankruptcy will also benefit from Debt Relief. What really determines its viability is if you answer yes to any of these questions than it is most definitely right for you.

1. Have you been struggling with making your minimum monthly payments?
2. Do you anticipate having problems making you minimum monthly payments in the near future?
3. Do you find yourself making partial payments to your creditors?
4. Do you often miss making your payments?
5. Has your credit score continually dropped over the course of the last six to twelve months?
6. Is more than 35% of your monthly income going towards paying your creditors?

Are Debt Relief Programs affordable?

Debt Relief Programs as a rule are more affordable than the current monthly payments you are making to your creditors. For example, if your total monthly payments add up to $350. With a debt relief program your new monthly payment will be anywhere from $200 to $225 and this includes the attorney’s fee.

How does a debt relief program work?

If you decide a debt relief program is right for you then this is what will be asked of you. In lieu of paying your creditors directly you will set aside a predetermined amount of money in a savings settlement account for the term you decided on when you enrolled. The only people that will have access to those funds will be your attorney and you. As your settlement savings account grows and there is enough money accumulated to approach one of your creditors with a settlement offer, we will do so. We generally offer 30% of the debt owed initially and will go as high as 50% but will hold off when the creditor asks for more than 50%.

Does a Debt Relief Program impact my Credit Score?

The short and quick answer is yes, it will negatively impact your credit score. So with that said, let me ask you a few questions. If you answered yes to any of the questions asked of you above, there is a very good chance your credit score has already started to deteriorate. If your near-term plans are to purchase a home or new car then you may want to reconsider a debt relief program. If you want to be debt free in a fraction of the time and at minimal cost then you will most likely not take issue with a negative credit score while you are in the program.

Why Choose Top Financial Relief?

When you are looking for relief from overwhelming credit card debt you are going to want an honest straightforward appraisal of your situation. Not empty promises that do more harm than good. With Top Relief Financial you receive 100% honesty 100% of the time.

Top Financial Relief offers solutions that are on your terms, not your creditors. Payment plans and terms that fit your needs and budget and set you up for success, not failure.

Excellent customer service that does not leave you wondering if you have done the right thing. Our attorney backed program stays with you right up to the moment your last debt is paid off.

Get a free consultation today to find out how we can help you pay off your debts and achieve financial stability within a fraction of the time you thought! You owe it to yourself and your family!

Resolve My Debts

A Debt Relief Program Can Help You Achieve Financial Stability If You:

  • Have unexpected medical bills or other costs
  • Have overwhelming monthly credit card and loan payments
  • Want to get back on track financially
  • Cannot afford to pay off your debts
  • Want true financial freedom
  • Need a fresh start and a good night’s sleep
Resolve My Debts

Testimonials