EFFECTIVE FINANCIAL SOLUTIONS
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!
ABOUT THE PRESIDENT and CEO of EFFECTIVE FINANCIAL SOLUTIONS
Hi, I’m Debt Free Daniloff. More informally known as Doug. My staff and I are devoted to getting you out of debt – without the need for bankruptcy.
I’ve been in the Debt Negotiation industry for 10 years as a business owner. I have helped over 4,500 people get out of debt. And I can help you, too!
I had a story that might be similar to yours, or just mildly interesting to you:
Many years ago, I had a chiropractic clinic in the LA area, co-worked with a chiropractor. She and I had started the business from scratch and successfully built it up for 7 years. I went on a business trip to help expand our operation and found that one of the patients had taken my place.
That left me without any income or job, so, with a little over $30,000 of unsecured debt, I visited a friend of mine that is a CPA (Certified Public Accountant). I told him of my problem and he directed me to a guy that had been negotiating debt for 10 years. That was in Nov 1998.
His name was Paul Killmar, better known as Dr. Paul, a “Debt Doctor,” removing the disease of debt from working people’s lives.
Dr. Paul was a pioneer in the development of the entire debt settlement industry.
As a result of Dr. Paul’s help in handling my personal debt, I realized this was a business I could use to help others.
So, with two other partners, we opened up a Debt Settlement company.
My job in the partnership was to run the Debt Negotiation unit which grew to about 45 staff. We successfully serviced thousands of clients. With the climbing credit card debt in the US (it’s now around $2.3 trillion), we took off and grew like crazy.
Now, I’m the sole owner of Effective Financial Solutions as that earlier partnership was a bit like a bad marriage.
Prior to all of that, I had graduated from University of California Santa Barbara with a degree in Political Philosophy and went on to their graduate school program in Education.
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!