Our staff will work with you to develop a plan and program that works within your budget.

• A trained Specialist will help you create a plan that fits a realistic time frame. We know that you have many priorities in life that also require your attention.

• After you are in the program, an Account Manager assists you with every step in the debt-elimination plan. You’ll always know that we are by your side. And we are also available to answer every question that comes up.

• Once your budget is in place, we negotiate with creditors to settle your debt by 40 to 60 percent (in most cases). A settlement plan can be completed in less than 36 months with lower monthly payments than other debt-elimination alternatives offer. Our negotiators have established relationships with consumer lending institutions, so you’ll be getting the best settlement for your debt-elimination needs.

With ADR at your side, you can eliminate debt and claim the debt-free life you’ve always wanted.