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      <title>American Debt Affiliation - Credit Card Negotiation | Credit Card Debt Help | Past Due Debt Negotiation</title>
      <link>http://www.americandebtaffiliation.com/</link>
    <description>If you are looking for debt settlement as well as credit card negotiation, credit card debt help and debt negotiation programs, visit our website. If you are also looking for past due credit cards information as well as consumer debt negotiations and past due debt negotiation, please visit our website for more details. American Debt Affiliation provides debt services for consumers seeking debt reduction programs through our debt arbitration programs ranging from debt negotiation to debt settlement or debt consolidation.</description>
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      <title>Consultation</title>
      <link>http://www.americandebtaffiliation.com/Consultation.php</link>
    <description>Our debt negotiation specialist and representatives are highly experienced and have a passion for helping clients get out of debt quickly while saving money in the process. Our arbitrators are among the most accredited in the financial management sector. They settle thousands of dollars of debt for our clients every month. Call from anywhere within the U.S. and receive a free debt consultation, debt consultants are standing by to assist you!</description>
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    <item>
      <title>Debt Programs</title>
      <link>http://www.americandebtaffiliation.com/debt_programs.php</link>
    <description>Several Debt programs are created around the practice of debt settlement. Debt settlement company's are third-party institutions that work on behalf of their clients to negotiate out-of-court settlements for old bills, invoices, lawsuits, liens, medical bills, utility bills, judgements, and other types of significant debt. Typically, debt settlement programs are in lieu of credit counseling as a way to avoid bankruptcy. The major difference between our debt programs and credit counseling is the fact that the program works independently on behalf of our clients, while credit counselors work on behalf of credit card companies by setting up whats referred to as a debt management program. During the debt negotiation process, our debt settlement consultants negotiate a lump sum settlement for amounts owed to credit card companies - typically, at a significant discount to the actual amount owed. Clients then make more affordable payments to our debt settlement company to pay off the remaining balance.</description>
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    <item>
      <title>Resources</title>
      <link>http://www.americandebtaffiliation.com/resources.php</link>
    <description>Our Resources provide useful credit counseling, debt consolidation and credit card debt settlement information and links.</description>
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    <item>
      <title>Contact Us</title>
      <link>http://www.americandebtaffiliation.com/contact.php</link>
    <description>American Debt Affiliation offers debt services and programs for consumers seeking debt reduction programs through our partners debt arbitration programs ranging from debt negotiation, debt settlement, debt consolidation or credit counseling.</description>
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    <item>
      <title>Sitemap</title>
      <link>http://www.americandebtaffiliation.com/sitemap.php</link>
    <description>Find information about several debt relief programs and options by visiting American Debt Affiliation's sitemap.</description>
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