Limited Consultation Spots Available — Our average client saves $23,400 and becomes debt-free in 36 months.
Answer a few quick questions and watch your journey unfold as you move from the weight of debt into your next era.
In this short walkthrough, we'll show you what it looks like to go from juggling payments and stress to having a clear, structured path out of debt.
Every journey starts with a single step. Let us guide you from financial burden to freedom, from stress to peace of mind, from overwhelmed to empowered.
Your path to financial freedom in four simple steps
We'll review your debts, income, and goals in a no-pressure conversation. You'll learn if debt settlement is right for you and get a clear picture of what your next era could look like.
We'll design a personalized debt relief plan tailored to your situation. You'll know exactly how much you'll pay monthly, how long the program will take, and your estimated savings.
Our experienced team negotiates with your creditors to reduce your total debt—often by 40-60%. You make one affordable monthly payment while we handle all the negotiations.
As settlements are reached and paid, your debts are resolved one by one. Most clients complete the program in 24-48 months and save thousands of dollars—finally free to build their next era.
No obligation. No pressure. Just clarity.
⏰ Only 12 consultation spots left this week
Use this quick calculator to see how your monthly payment could change in a structured debt relief program.
You could save between $0 and $0
Estimated program length: 24-48 months
Speak with a debt specialist now:
*These are example estimates based on typical program structures. Actual results vary by client, creditor, and program.
No pressure. No judgment. Just clear guides to help you understand your options and make the best decision for you.
Explore how America reached $1 trillion in credit card debt and what it means for your financial future.
How one mother of two eliminated $45,000 in debt and reclaimed her life with Nexseras.
Understanding your options and why debt settlement might be the better choice for your situation.
Get clear answers to the most common questions about debt relief
Debt settlement involves negotiating with your creditors to accept less than the full amount you owe. Instead of making minimum payments for decades, you make one affordable monthly payment into a dedicated account. Once enough funds accumulate, we negotiate settlements with your creditors—often reducing your total debt by 40-60%. Most clients complete the program in 24-48 months and save thousands of dollars.
Debt settlement does impact your credit score, and settled accounts will show on your credit report for seven years. However, many people who seek debt relief already have damaged credit due to late payments, high utilization, or accounts in collections. The good news: your credit can begin recovering within 12-24 months after completing the program, and many clients end up with better credit than before their debt problems began.
Debt settlement works best for unsecured debts like credit cards, personal loans, medical bills, and collection accounts. Secured debts (mortgages, car loans) and federal student loans typically don't qualify. During your free consultation, we'll review your specific situation and let you know which debts are eligible for the program.
Our fees are performance-based, meaning we only get paid when we successfully settle a debt for you. Fees typically range from 15-25% of the enrolled debt amount and are built into your monthly payment. There are no upfront fees—you don't pay us anything until we've negotiated and settled an account on your behalf. We'll provide a complete breakdown during your consultation.
Most clients complete their debt settlement program in 24-48 months, depending on the amount of debt enrolled and their monthly payment capacity. This is significantly faster than paying minimum payments, which could take 20-30+ years. Your specialist will provide a personalized timeline based on your specific situation.
While most creditors are willing to negotiate (especially when they realize the alternative might be bankruptcy or non-payment), there's no guarantee every creditor will settle. Our experienced negotiators have relationships with major creditors and know what settlement ranges they typically accept. If a creditor refuses to negotiate reasonably, we'll discuss your options, which may include removing that debt from the program.
It depends on your situation. Debt settlement allows you to avoid bankruptcy, maintain more control over the process, and typically recover your credit faster. Bankruptcy is a legal process that stays on your credit report for 7-10 years and can affect employment, housing, and future credit. However, bankruptcy might be the better option for some people with overwhelming debt. We'll help you understand both options during your consultation.
No. Accounts enrolled in the debt settlement program must be closed and cannot be used. This is necessary for the negotiation process to work. However, you may be able to keep one card (not enrolled in the program) for emergencies. The goal is to break the cycle of debt and help you transition to living within your means while we resolve your enrolled debts.
Real stories from real people who found their path to financial freedom
"I was drowning in $38,000 of credit card debt and medical bills. Nexseras helped me settle everything for just $15,000. I'm finally debt-free after 18 months and can sleep at night again. They literally saved my life."
"After my divorce, I was left with $52,000 in debt I couldn't handle. The team at Nexseras was compassionate and professional. They negotiated my debt down to $22,000 and helped me rebuild my credit. I'm so grateful."
"I was skeptical at first, but Nexseras delivered exactly what they promised. My $29,000 in payday loans and credit card debt was settled for $12,000. The stress is gone, and I'm building savings for the first time in years. Thank you!"
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