You guys know about debt settlement, right? We’ll break it down for you, just in case: You decide you need a new suit. You buy it. Your boss decides s/he needs a shiny new Gulfstream…which means you get downsized. Suddenly, you’re awash in credit card debt. You need help. A “debt negotiator” appears. They tell you they can negotiate your nut down to pennies on the dollar. You are happy. Then you discover how the racket really works. You are sad.  First, they want a big-ass up-front fee. Then, you’re asked to fund an account that will be used to pay off your debts – yes, for pennies on the dollar – but that isn’t real helpful if you don’t have any pennies to begin with. The whole thing is a lot like high school.  Remember the 300-pound bully who used to throw you against your locker, steal your lunch money and give you a swirlie? When that 300-pound bully is your credit card company, you need a bully to bully that bully. Or at least get their attention. If you had an eagle with a knife in its mouth, you'd be all set. But we'll assume you don't. (If you do, call us, we want to check that out.)

Would like to renegotiate your repayment terms.
Also: is an eagle with a knife.

Say hello to the American Fair Credit Council.

The good people of the AFCC noticed what was going on in the debt settlement racket market, and saw an opportunity. Not the “let’s check the poor people’s couch cushions for change”-kind of opportunity, but the kind that could actually help people get a fair shake in the credit game – a game that’s patently rigged. So, they created a brand new model called “no advance fee debt settlement.” Here’s how it works: You agree to a fee. The AFCC goes to work. Your debt goes down. You pay your debt. You pay your fee. You’re free. A simple, strong idea, worthy of a simple, strong name. Which Mortar was proud to give them.

So. Even if your credit’s good, check out the American Fair Credit Council. They’re a good friend to have, in an economy where one can never have too many good friends, feathered or otherwise.