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Debt Modification Solutions

Your Path to Freedom From Debt Starts Here Stop letting debt control your life—Escape the cycle of debt with a smart debt relief plan.

Get Your Free, No-Obligation Consultation Today

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Reduce Debt, Lower Payments, Regain Control

If mounting debt is weighing you down, you’re not alone.

At Smart Path Capital, we specialize in helping people reduce unsecured debt faster—often for significantly less than what you owe. Our debt modification program allows us to negotiate with creditors to lower your outstanding balances, helping you save money and become debt-free sooner.

Don’t let debt dictate your future. Take the first step toward financial freedom today and get the debt relief you deserve.

Get Your Personalized Debt Relief Plan – Free Consultation Available

Free No-Obligation Debt Relief Consultation
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How Does Debt Modification Work?

Smart Path Capital partners with creditors to lower the total amount you owe on credit cards, personal loans, medical bills, and other unsecured debts. Instead of struggling with high-interest accounts and minimum payments that never significantly reduce your balance, you can modify your debt into a structured plan that works for your budget.

Our proven approach can help you eliminate debt for less than you owe, putting financial freedom within reach.

Through our trusted attorney-backed program, we negotiate on your behalf to ensure you receive the best possible outcome. Every agreement is carefully reviewed to protect your financial well-being and help you get out of debt faster and more affordably.

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Through Our Debt Modification Program, You Can:

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Lower your monthly payments – potentially by up to 50%
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Reduce your total debt balance – pay less than what you owe
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Consolidate multiple debts into one manageable payment
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Pay nothing upfront – we only get paid when we help you save
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Become debt-free in 24-48 months
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Types of Debt We Can Modify

Find Out If You Qualify – Get a Free Savings Estimate

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How Soon Can You Be Debt-Free?

Becoming debt-free doesn’t have to take decades. Our 4-step approach simplifies the process and helps you quickly regain financial stability:

Start Your Journey to a Debt-Free Life Today

Get Started Today
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FAQs: Debt Modification Explained

Welcome to our FAQ section! Here you’ll find answers to common questions about Debt Modification, including the application process, benefits, and usage. For further assistance, our consultants are ready to help.

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  • What is Debt modification?

    Debt modification is a negotiation-based debt relief strategy that reduces your outstanding balance on unsecured debts, such as credit cards, medical bills, and personal loans. This process allows you to eliminate debt without paying the full amount owed.

  • Do I qualify for debt modification?

    If you’re experiencing financial hardship and cannot afford to pay your debts in full, you may qualify. You will need a stable income to make reduced monthly payments as part of a modified repayment plan.

  • Can debt modification really help me?

    Yes! If high balances and skyrocketing interest rates are making it impossible to pay off your debts, our program can provide the relief you need.

  • How does debt modification work?

    We work with creditors to negotiate a lower payoff amount, often saving you thousands of dollars. Instead of paying the full balance, you settle your debts at a reduced amount, helping you become debt-free faster.

  • Is debt modification better than bankruptcy?

    For most people, yes. Debt modification allows you to avoid bankruptcy and its long-term impact on your credit. Unlike bankruptcy, which stays on your public record for up to 10 years, debt modification is a private process that doesn’t involve the courts.

  • Are there any upfront fees?

    No. You pay nothing upfront—we only get paid after successfully modifying your debt and saving you money.

  • Can credit card debt be modified?

    Yes! Credit card companies often agree to reduced settlements through debt modification programs, allowing you to pay off balances for less than you owe.

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REPRESENTATIVE EXAMPLE OF APR

If you borrow $30,000 over a term of 5 years (60 months) with an APR of 4.99% you will pay $566.00 each month. The total amount payable will be $33,959.97, with total interest of $3,959.97.

ANNUAL PERCENTAGE RATE (APR)

Annual Percentage Rate (APR) represents the annualized interest rate you are charged for borrowing. It is the combination of the nominal interest rate and some additional costs such as fees involved when incurring debt. Our lender offers APRs for personal loans, cash advance loans, installment loans and debt consolidation loans from 4.99% to 35.99%. Since New Start Capital does not directly issue loans, we cannot deliver any specifics or guarantee the APR you will be offered. The APR depends solely on your lender’s decision, based on various factors including your credit score, credit history, income, and some other information you supply in your request. For more information regarding the APR contact your lender.