Fort Lauderdale, FL (PRWEB) September 13, 2010
Expert Settlement Professional (ESP), developed by the financial software experts at Fort Lauderdale-based P&E Solutions, is a fully automated personal debt settlement Web Solution that is totally transparent and accessible 24/7 to both consumers and their creditors. This revolutionary program has settled $31,290,875.00 in unsecured credit card debt during the last 12 months.
P&E recognized that debt settlement is a great option for people experiencing dire financial hardship, which has caused them to amass a tremendous amount of unsecured debt (typically through credit cards). On average, the consumer debtor will have accumulated $27,000 in credit debt spread among 5 to 7 creditors. The ESP program allows these consumers to electronically open communications with their creditors to help settle their credit debt. For most employed consumers, debt settlement is far superior to bankruptcy, which will have a negative impact on the consumer’s credit for at least 10 years.
The idea of ESP’s software is to automate the debt settlement process and have all the information related to the individual’s progress easily accessible and understandable online. For example, P&E’s programmers created “dashboards” that allow clients to see the progress of their debt settlement proposals and the status of their settlement savings Trust Accounts. The ESP software sends customized letters, proposals, and counter proposals to creditors, as well as Cease and Desist letters to collection agencies. In addition, customer support is provided to assist the client in every possible way (account revisions, creditor additions or deletions, payment date changes, etc.).
Another innovation is the option of obtaining a DAAN module, which redirects inbound calls from creditors and collectors who are harassing the client to FBL & Associates. Even though this is an automated software process, P&E retained FBL & Associates, a nationwide law firm, for pre-paid legal services to address client questions, issues, and to provide legal representation should the client be sued by an enrolled creditor. Currently, FBL houses 28 attorneys and provides hundreds of independent contract attorneys in all 50 states to assure proper legal representation in the client’s state of residence.
Credit Card Debt is a national crisis. P&E is proud of the role it has been able to play as a consumer advocate for debt settlement while helping to resolve this crisis. One look at the ESP website and the evidence of this success will become rapidly apparent.
About P & E Solutions:
P&E Solutions is a software development company which creates custom one stop software solutions for individuals and businesses worldwide, P & E is an innovator in the development of global software and offers superior easy to access subscriber support. The company has taken bold initiatives to produce software that provides solutions that go above and beyond their customer’s expectations, while still making applications simple and user friendly. Included in their portfolio is Document records management, CRM applications (Customer Relations Management), Enterprise database integration, and financial software.
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