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DIY Debt Settlement

Negotiate Your Own Settlements With Expert Guidance.

Save Thousands. Keep Control.

Not everyone needs a full debt settlement program.

Debt relief companies charge 15-29% of your debt as a fee.

If you're organized, willing to communicate with creditors, and want professional guidance without paying traditional settlement fees, we're glad to support you on your way.

No-Pressure Consultations:

Free consultation to explain how you can DIY with confidence—with ongoing coaching support if you choose to proceed.

Save Thousands:

Debt settlement companies charge anywhere from 15-29% of your debt as a fee. This can mean thousands in fees, for something you may be able to achieve on your own.

Keep Control of your Finances:

When you negotiate directly, you decide what matters. Your goals stay front and center, and you won’t be pressured to accept a deal that doesn't fit your big-picture goals.

Various Levels of Support:

We’re here to help you find the best solution. We believe most people can settle their debt themselves—with a bit of education. If you ever want more hands-on help, we have resources available.

Industry-Recognized Debt Settlement Experts:

Our team has over 15 years of experience helping individuals solve debt. The material was created by a professional negotiator who has settled millions of dollars of debts directly, and led teams settling millions every month.

Before You Continue

This approach is NOT for everyone.

We do recommend professionally managed debt settlement programs when appropriate.

DIY coaching is best suited for individuals who:

✅ Are comfortable communicating with creditors

✅ Can stay organized, follow a plan, and save monthly

✅ Want to negotiate directly with creditors to settle balances

✅ Have a lump sum, or stable income to save for settlements

✅ Understand that results are not guaranteed and outcomes vary

If you'd rather have professionals handle negotiations, paperwork, and settlement strategy, a traditional debt settlement program may be a better fit. We can help you understand the differences and identify your best path during a free, no-pressure consultation.

Who's a Good Fit?

Unsecured debt, such as credit cards, medical debt, or personal loans

facing a financial hardship preventing payment in full

A lump sum or willingness to save a set amount every month

Attempted solutions to stay current

comfortable taking a DIY approach

Ready and willing to take action

TESTIMONIALS

What others are saying

"exactly what I needed"

"This was exactly what I needed to help me make a decision and start taking actions steps to reach my goals to get out of debt and be free! I even received an email recapping our session that I may refer to over and over again when I need it"

Stacy— unpaid testimonial

"open and genuine"

"...I didn't feel like I was being sold to as the conversation felt very open and genuine. Thank you for all your advice and help!"

Norma- unpaid testimonial

"wonderful insight"

"Our advisor led us to the most Godly plan without judgment and with all the care we needed to not let this debt take our joy. We were given options that we didn't have before that gives us an end in sight!"

Rachel— unpaid testimonial

Does this sound familiar?

Too Many Debts, Not Enough Funds
You're sitting at the kitchen table, staring at a pile of bills. Every creditor seems to want your last dollar—how can you possibly decide who gets paid first?

Sleepless Nights and Collections Threats
Your phone buzzes constantly with collection calls, and the fear of "whats next" has you tossing and turning at night. The debt-stress feels endless.

Drowning in Minimum Payments
You've been borrowing from Peter to pay Paul. You're juggling multiple accounts, with so much interest that your payments barely make a dent. Month after month, you pay and pay, but the balances never seem to shrink. When relying on credit is the only way you've stayed current, we call that false currency.

Don't worry, we can help!

PRICING

Choose Your Plan

DIY Kit

$279

DIY Guide
Template Documents
Negotiation Blueprint
Strategy Building Spreadsheet

No contracts - cancel anytime

Guided

+$79

45-minute initial strategy session
30-minute coaching sessions
Email support

No contracts - cancel anytime

Protected

+$24.99/m

Debt collection lawsuit support
FCRA/Credit reporting support

Cancel anytime

Eligibility and Criteria

Who’s NOT a good fit?

You're Current and Optimizing

Debt settlement is an aggressive form of debt relief that can have significant drawbacks, especially for those who are current on their debts. If you are current on your debts and are seeking to optimize by lowering interest rates, please explore a Debt Management Plan first.

You're Being Sued For a Debt

When a debt collection lawsuit is in play, you need more guidance than we're qualified to offer. If you're received a summons, plesae consider a DIY with support from SoloSuit, or bankruptcy, or hold a free consultation with a trusted debt relief law firm for guided assistance.

You Have More than 4 Accounts

The more debts you have, the more difficult managing negotiations becomes. They all want all you can offer every month, and professional guidance can streamline and improve negotiations.

You Have Over $40k in Debt

The greater your debt, the greater the potential savings. For debt totals above $40,000, a managed program may be more appropriate. We’ll help you assess which route makes most sense.

You're Trying to Avoid Stress

Collection calls, demand letters, and drawn-out negotiations are designed to create pressure. DIY coaching gives you tools and guidance, but it still requires a steady hand and willingness to face those conversations.

You Can't Afford to Save

If you’re already behind and unable to set aside at least 2.5% of your total debt each month, DIY settlement may not be the right fit right now. In this season, your priority should be keeping essentials covered—food on the table, a safe place to live, and stability for your family.

INTRODUCING

Your Debt Negotiation Toolkit

DIY Guide

Solo Journey

100% risk free - 30 day money back guarantee

Here's what's inside:

Foundations & Preparation
Collections Tactics & Rebuttals
Negotiation Tools & Strategy
Legal & Tax Awareness
Payment Processes & Documentation
Recovery & Next Steps
Supportive Resources

Debt settlement companies: 29% of debt

DIY for Just $249

"You're Right on Time!"

The way faithWorks Financial takes your heaviest burden and makes the whole experience stress free. My counselor was professional, kind, and thorough!!

- Michelle Olson

Take Your

step toward

financial freedom.

At FaithWorks Financial, we’re here to lend a hand, not just in spirit, but in connecting you with the right debt relief solutions. We’re a third-party matchmaker—think of us as your guide to navigating financial peace. While we don’t provide debt settlement services directly, but can connect you through our network of trusted organizations. We place purpose before profit. Got questions? Check out our privacy policy or drop us a line at [email protected]. We’re always happy to chat!