Debt Settlement with Republic First Funding

Debt Settlement

Have you been struggling to pay off your debt? Maybe you’ve explored a few different options but have had little success. What you need is a final solution.

Sometimes financial situations can get extremely dire. You’ve borrowed money that you’re not able to repay and aren’t sure where else you can turn. Sometimes in situations like this, you can turn to a final strategy. This strategy is called debt settlement.

Debt settlement is when your lender agrees to accept an amount less than you owe as a way to settle the debt.


What is it

On paper, debt settlement might sound like an ideal strategy! You reach a final agreement with your lender to pay them a sum less than you owe them and can finally get them to stop hounding you. This method sounds too good to be true, however, there can be repercussions to opting for this strategy. We want to make these repercussions clear before you make any decisions

  • It can ding your credit score - You’d essentially be admitting that you’re unable (or refusing) to pay your lenders. This will be a sign to future lenders that you’re not a trustworthy person to lend money to.
    Of course, this reputation can still be improved with time and if you don’t see yourself applying for a loan in the next 5-10 years then it shouldn’t be the end of the world.
  • It takes time - As with most things, it can take up to two years to reach a settlement and actually agree to terms.
  • It can still cost you money - There are fees involved with using a debt settlement company and you may need to pay additional taxes.

How it works

In a nutshell, debt settlement works like this:

  • 1 (5)

    You hire a company to settle your debts for you.

  • 2 (5)

    This company approaches your lenders and negotiates either a change in your loan agreements or agreeing to a lump sum payment that is less than your obligation.

  • 3 (5)

    Once an agreement is reached, you pay the debt settlement company as well as the lump sum you owe and are cleared of your debt.



  • It helps you avoid bankruptcy.
  • It can potentially help you settle for an amount less than you owe.
  • It gives you peace of mind knowing that debt collectors will be off your back.


  • It can make it difficult to get another loan for approximately 5-10 years.
  • It comes with no guarantees. Your creditors can always refuse to negotiate which could
    lead to more debt if you have stopped making regular payments.
  • Either way, you’re going to have to pay fees (even if your debt settlement company is unsuccessful).
Is it for you

Is it for you?

This is going to depend on your personal situation. For some people, debt settlement can be the escape they need to get rid of their debt for good and turn over a fresh page. For others, it’s the easy way out that will leave them with lasting repercussions.

We recommend speaking with an expert on the topic before making any final decisions.

How can you get started

How can you get started?

If you decide that debt settlement is the way that you want to go then don’t hesitate to contact our team and we’ll be able to help you every step of the way!

Another alternative is to attempt to do the negotiations yourself. If you feel confident in your negotiation skills, this can save you money from fees.

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We care for you,
that's what we do.

See what other people are saying.

"The service was great, our financial adviser was all ears when we discussed our debt issues with her and she was able to match us with the best program for us. My husband and I are super happy with them and we’ll definitely recommend them to our friends and family looking into debt relief services."

Sonya Wilson

"I enrolled in their debt consolidation program and I’m glad I did! I’m still 2 months into the service but, so far, they’ve been doing their end of the deal and I’m seeing optimistic progress with my account."

Eugene Bryant

"They have an impressive team that’s always ready and willing to help. I never would have made it through my debt issues without them."

Brian Guerra

"Republic First Funding helped me rebuild my credit from the ground up. They took a chance on me and helped me realign my finances to become more within your means and simplified. I never would have achieved financial freedom without their help. "

Erika Pollard

Before you go to
sleep tonight... could be on your way to paying down your debt and retaking control over your finances!

If it sounds that simple, that's because it is

We've helped over 5,000 people that were in your same exact situation. All it takes is just three simple steps.

  • 1 (5)

    Calculate Your Rates

  • 2 (5)

    Agree and Accept the Terms

  • 3 (5)

    Get Your Money

Checking your rate will not affect your Credit Score

Why Trust Republic First Funding

Here are the Benefits at a Glance

It’s Fast And Low Stress

We know that in today’s world of apps, computers, and machines the last thing people want to do is sit on the phone with an automated answering machine or fill out a generic form online. This is especially true when it comes to something as critical as your financial health. Everyone’s financial health is a little bit different and you have special needs that need to be met.

That’s why our entire process is fast, low stress, and done with real people. We take pride in sitting down with our customers and really understanding your situation so that we can offer the best advice possible. If you appreciate doing business with other people (not machines or websites) then give us a call today!

We Can Be Flexible To Fit Your Needs

Everyone’s situation is a little bit different and there is no “one-size-fits-all” when it comes to your finances. Uncertainty when it comes to finance is one of the leading reasons that people fall short of their financial goals. They simply aren’t sure where to start or what they may be eligible for. That’s why we offer flexible terms from 12 months up to 5 years.

If you’ve ever been a little uncertain about asking questions don’t worry, it’s 100% free to call and chat with us! Start a conversation by telling us your financial goals. We think you’ll be pleasantly surprised by how we can help you reach them.

Improve Your Credit

Hurting your credit score can be a nightmare scenario for lots of people. It can prohibit you from purchasing a home, starting your dream business, buying a car, etc. In fact, fear of hurting their credit score leads many people to not even venture down certain paths like applying for a loan or opening a credit card at all.

We can help you boost your credit score through a number of methods that you may have not even known were possible. For one example, you can take out a low-interest consolidation loan to pay off high-interest debt and then make consistent monthly payments on your new loan. Doing this will save you money while also drastically improving your credit score! Give us a call today to learn about more ways we can help you raise your credit score and reach your financial goals.

Don’t Worry, There Are No Hidden Fees

Hidden fees are the worst, there’s no way around it. You sign up for something at a fair price only to discover that the “fair price” didn’t include things like “Registration Fees”, “Advisory Fees”, or “Transaction Fees”. We’ve all been there and it isn’t fun.

When you do business with us, you won’t be doing business with some huge, faceless mega-corporation. We’re real people just like you. We hate getting caught with hidden fees so why would we want our customers to feel that way? 100% transparency is what you can expect from us.

Questions? We’re ready to help. Give us a call and let’s talk!

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