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 (and 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.