Not Bankruptcy. Not Credit Repair.

What is debt settlement negotiation?

Debt settlement negotiation is a great solution for people with large amounts ($5,000 or more) of credit card debt and at least some financial resources. Working directly with your creditors a professional debt negotiator works out a settlement of the total debt amount, usually between 40% to 50% of the total owed. Done correctly debt settlement can absolutely help people. Just like that.

Have questions? Ready to talk?

Contact Our Friendly Team!
We’re happy to answer any questions you might have.
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Cindy Campisi, Founder.

Dealing with debt is not fun. I know because I’ve been there. I struggled with crushing credit card debt for years. Eventually I realized that my family would be making payments for decades without even touching the balance. It inspired me to start looking for solutions. After a huge learning process, I was able to successfully settle with my own creditors for a fraction of my balance. Instant Settle Consultants was born! Since then my team and I have been able to help thousands of people resolve their debt and start living their lives again. I’d love to see if I can help you too!

No judgement. Just expert help.

Call me any time: (480) 688-8856

want to find out more about debt settlement?

How we get paid.

We charge a percentage (10-15%) of the total debt enrolled, most times a fraction of what our competitors charge, no monthly fee, and no upfront costs. Our fees are earned at the time of settlements and in some cases modification of your original loan terms.


How much does debt settlement negotiation cost?
We charge a flat-fee based on the amount of debt we settle and only if we are able to settle. No surprises, no games.
NOTE: **Our fees vary by state and situation.**
What kind of debt can you settle?
We have experience settling consumer credit card debt, medical debt, judgments, student loan debt, and all other types of unsecured debt as low as $5,000.
Will debt settlement hurt my credit score?
Yes, there is a penalty for settling debt, but the impact is usually no worse than the clients’ present situation. Also, our negotiators take the necessary steps to guide our clients in rebuilding their credit after settlements have been secured.
How much does Instant Settle Consultants settle for?
Each creditor has different parameters for settlement. It depends on many factors. We pride ourselves on knowing the creditors and our clients’ personalized situations. As of this date, ISC has negotiated 37.2% of current balances.
How much debt will you help settle?
We’ve settled debts from as low as $5,000 to as high as $250,000 or more.