S&SW Investments, Inc. is a debt settlement company which specializes in helping consumers deal with unmanageable debt loads stemming from financial and personal hardships. Headquartered in Tennessee, we proudly serve clients on a nationwide basis.  Simply put, we are a dedicated team of professionals committed to serving you in a caring and highly effective manner. Allow us to show you why we are fast becoming a role model within our industry

At S&SW Investments, we negotiate with creditors to reduce the actual balances that you owe. If you are experiencing legitimate financial hardship, and have $10,000 or more in unsecured debt, our debt settlement program will save you time & money!

Our Program Benefits

S&SW Investment debt negotiation program can help you prevent the 10-year stigma of Bankruptcy and/or avoid taking yet another high-interest loan that can make your situation even worse in the long-run.  By becoming debt-free in the next 12-36 months, you can achieve a more secure financial future.

By becoming a member of S&SW’s program, you will:

• Let S&SW engage in tough negotiations with your creditors to eliminate up to 50% or more of your unsecured debt.
  
• Never pay back the debt we settle on your behalf.
  
• Get your creditors to waive some or all of your late fees.
  
• Avoid the stigma of bankruptcy that can follow you for 10 years
  
• Become debt-free far sooner than with credit “counseling,” or “consolidation” programs
  
• Minimize creditor phone calls and stop creditor scare-tactics and harassment

The projection assumes the following:
The $30,000 debt is composed of four separate debts owed to different creditors: Two $3000 debts, a $10,000 debt, and a $14,000 debt.

Your actual results will vary depending on many factors, including what you owe, how much you can pay per month, and for what percentage your creditors are willing to settle.

Debt Consolidation Loan or Home Equity Loan

To get a loan, you must have the ability to pay and a good credit score. Even if it could happen, your situation would only get worse. Instead of helping you get out of debt, a consolidation loan may increase your debt. Here are some more facts that you might not know about consolidation loans:

• You must qualify. Those who qualify are usually not debt settlement candidates.
• It requires ownership of a home or a pledge of collateral.
• A transaction fee is usually required upon closing or built into the interest rates.
• Missing payments could cause you to lose your home or the collateral you pledged.
• You would pay back the full amount of credit card balances, plus interest.
• Payback can be 10-20 years depending on debt balance and your ability to pay.
• You are exchanging your unsecured debts for a secured debt.
• The home equity loan reduces the future equity available in your property.

Continue to Make the Minimum Payments or Don't Pay Anything at All

• You would pay nearly 50% of your original balance in interest alone over the first 3 years. You wouldn't be making a dent in your principal balance.
  
• Interest rates are usually 15% or higher and creditors can raise rates at any time.
  
• If your interest rates are 25% or higher, it is literally impossible to pay off your debt by making minimum 2% payments.
  
• With a high interest rate, it would likely take you between 20 to 40 years before becoming debt free.
  
• Until you pay off these debts, your ability to get any other credit is substantially hindered.

If you have already stopped making payments to your creditors, you are destroying your credit without eliminating any of your debt in the process.

Click here for more questions or Click here to learn how to get started.