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I had almost 45 thousand dollars in total debt with 7 credit cards, my job at the time had cut down on the hours and I got behind on all of my payments. My late charges and penalty fees went up and were out of control, to the point that after adding it all up it was almost 50 thousand. I reached out to A Horizon Debt Group and they were so helpful, we spoke on the phone for almost 2 hours, they looked into all of my finances, all of my payments, they set me up on their settlement program. I was able to go in and look at what offers had been made to the credit card companies and their counter offer and I myself was able to accept and reject. Needless to say after 3 years in the program I am finally debt free and I only paid 20 thousand dollars. I don’t know where my life would be right now if it wasn’t for these guys. Thank you, I literally owe you my life, you guys are the best.

Tammi, Texas

I’m writing you guys on behalf of myself, my husband and our 2 kids. I had no idea just how bad it was until I spoke with Collette on the phone and we went over all of my cards they payments and for how long I was going to be paying it. When you’re used to paying the minimum it doesn’t really make much a difference, but then you add everything together and see how much you borrowed and how much you have to pay back and it’s honestly legal robbery. With the debt management program it brought our interest on all of our cards down to single digits and all we make is one single payment a month and they take care of distributing it out to our creditors. It has made my family’s life so much easier. We have more money saved monthly now and this summer we will be visiting the Bahamas. It would not have happened if it wasn’t for you. From the bottom of my heart and on behalf of the family. THANK YOU SOOOOOOOOO MUCH!!!!!!!

Katie, Georgia

10 years ago when I graduated from high school I got my first credit card and though, man money that I don’t have that I can use now and just pay it later, there’s nothing better than this. Needless to say 10 different credit cards later and almost $100,000 in debt later, I found myself often plotting on commiting suicide, there was no escape no room to breathe, all of my checks from work went straight to pay all the back owed debt. There was no light at the end of the tunnel, there was no escape, I was going to be stuck paying back the money I blew thru in 10 short years for the rest of my life. I actually met Landyer in person at a convention. He explained to me the company he worked for and how they helped people get their financial freedom back. He gave me a little bit of hope, that Monday I met him in his office where he opened the doors and showed me how it all works and that’s all I needed. I brought him a recent copy of all of my statements, he entered everything on the computer right in front of me and showed me what I would be looking at paying monthly, how long it would take and sure enough the number made sense. I have all the control online, I can counter the settlement offers and reject them if I felt like it. I’m almost 2 years into the program and I’ve paid off 3 cards almost 4, and I have 3 more years and I will be debt free. And out of that $100,000 after it’s all said and done I will have paid approximately $42,357.84. That’s less than half. Meeting Landyer changed my life and I finally see that light at the end of the tunnel. I’m a lot smarter now with my finances, because aside from helping me settle they also advised me on my finances, how to save and how to not get involved with credit cards again. Even the emergency one I haven’t touched since. I made a lifelong friend and got my life back. Thanks to all the guys from Debt advisors. You’re the best.

John, Cocoa Beach FL