About EFS



We are a debt relief company with a team of Professional Negotiators who can effectively eliminate between 50% – 70% of your credit card debt and other unsecured debt.

We are NOT a credit counseling service. The Credit Counseling Services usually work for the creditors – the banks and credit card companies – and earn a percentage of what you pay to your creditors. Using the Credit Counseling Services means you will be paying at least 150% (1 and ½ times) to 200% (2 times) of your credit card debt through your monthly payments to them. This often results in a lowered credit score (because you are using the credit counseling service) and still long years of payments to try and get out of debt.

What’s our difference? We work for YOU, not the banks or the creditors. We work with your affordable budget, which can be less than if you were paying the creditors directly.

Through the negotiation process, we can give you debt relief in about 15 to 36 months, depending upon your budget and your financial circumstances, with savings between 25% to 70% on the balances that you owe.

We give you debt relief without borrowing money, filing for bankruptcy or liquidating any assets. We negotiate with your creditors to establish an amount that you CAN afford through our debt elimination process.

As a BONUS, because we help you by working directly with your creditors, you are able to get on with your life, free from the STRESS that comes from creditor calls. We have seen time and time again, our clients being able to earn more money and live a happier life even WHILE THEY ARE ON OUR PROGRAM!



Hello.  We certainly live in tough economic times that are unlike any other we have experienced in the past.  There must be a way to successfully discharge your debt so that you can, once again, get yourself into a financial situation that you can steer and not one directed by others.  That is what I have been helping people do for the past 14 years.

I’m the owner and CEO of Effective Financial Solutions, a Debt Settlement company.  I founded it in 2003 in Clearwater Florida, and recently opened a new office in Ventura CA (Ventura, California). I have been in the debt industry since 1998 and have successfully helped thousands of people out of debt. 

I graduated from the University of California, Santa Barbara with a graduate degree in education.  I engaged in various businesses over the years, now settling in an area that I have had too much experience in – the acquisition and disposal of debt.  Realizing that I wasn’t the only person faced with daunting debt and no real solution to discharging it, I founded a Debt Settlement company and immediately began helping thousands of people like you to get out of debt by negotiating with their creditors.

It’s not that we didn’t get ourselves into the financial mess, it’s just that once we figured out where we put ourselves, we realized that there was no easy way out.  It became clear that we borrowed $1,000 and were going to pay back 3 to 4 times that amount, with the high interest rates, before we got out of that amount of debt!  What did we get ourselves into?

I decided that I wanted to help others to get out of their debts, not to steal from the credit card companies and banks, but to get out of the grip that the interest rate alone created.  Buying something and deciding that you didn’t want to pay it back is not right, that’s theft.  But, buying something and paying it back for years and years which lines the pockets of the banks and credit card companies with more than a reasonable amount of money, is just not right.  Debt Negotiation can be a very successful method for getting out of debt if it matches your needs.

I will help you as I have many others.

If you need or want any further information, click “Contact” and my staff or I will be glad to answer any questions you might have. We are here to help you get out of debt!


Here’s to a debt free life!

Doug Daniloff

CEO Effective Financial Solutions

(866) 998-5551

(Hey, would you like a little proof, but still dont want to talk to anybody?

I understand completely.  Click the link below for a sampling of our work 

http://www.effectivefinancial.com/prove-it-works/ )


If you would like to know more about us, but don’t want to be on our mailing list, you can always send me an email directly.  You can fill out the box below and send an email directly to me — Doug Daniloff.

Click Here for More Information

866-998-5551, ext 101

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