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Who We Are

Option One Financial Services, Inc. is a recognized and respected debt settlement company that specializes in assisting individuals who are drowning in debt and experiencing financial difficulties. Our main focus is to provide an alternative for individuals who otherwise are facing bankruptcy by reducing their debt to a fraction of what is owed, thus enabling them to become debt free in as little as 2-4 years.

Our Goal Is To....

  • Relieve the stress and pressure that comes with financial difficulties including harassing calls from creditors.
  • Eliminate unsecured debt in a fraction of the time. This can be done in an average of just a few short years.
  • Reduce your monthly payments on an average of 50% leaving more money for you and your family at the end of the month.
  • Reduce your total debt by an average of 40-60%. Settlements as low as 30 cents on the dollar are not uncommon.
  • We do not work for the credit card companies; we work with them in making an agreement that can satisfy both you and them so everybody wins. We also specialize in counseling and educating our clients so they avoid these pitfalls in the future.

We Are Here To Help You

  • Get the relief you need from the harassment that comes from bill collectors.
  • Get settlements that only you can approve and you can afford.
  • We can settle even though the creditor files a judgment and/or lien.
  • Help you avoid bankruptcy
  • Our fees are paid only when you get results.

Debts We Work With

  • Credit Cards
  • Unsecured lines of credit
  • Collection Agencies
  • Unsecured Bank Loans
  • Store Cards
  • Repossessions
  • Unsecured Business Cards
  • Creditor Law Suits
  • Evictions
  • Judgments and Liens

Types Of Debt We Cannot Work With

  • Any loan secured by property
  • Automobile loans (If you still have the car)
  • Federal Student loans
  • Home Loans/ Mortgage
  • Equity Credit Lines
  • Child Support
  • Utility Bills
  • Phone Bills
  • Cash Advances

We get paid only when your negotiated accounts reach a settlement agreement and the debt has been satisfied.

If you are not sure whether you qualify for this program please call for a free confidential consultation or fill out our online form.

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