Home Debt Settlement Our Programs Options F.A.Q. Contact     Debt Settlement Programs & Services MJL Financial, LLC. provides clients with the means by which to resolve, restructure and settle debt problems as an alternative to bankruptcy with programs that can accommodate even the most severe of cases. Our programs are intended for those clients whose expenses exceed their net income or cash flow, clients dissolving insolvent businesses or clients forecasting future income to restructure debt in a manner that avoids bankruptcy. Term Settlement (3-5 year programs) - are for those clients having disposable income which may be reasonably forecasted and is, or will become, sufficient to pay back from 37% to 85% of the principal balance of their debts within a three to five year period of time. Hardship (60 month programs) - are for those clients determined not to qualify for our "term settlement program" and have only enough disposable income sufficient enough to pay back from 25% to 37% of the principal balance of their debts; and have insufficient cash resources and/or no assets to liquidate for payment to unsecured creditors. IMPORTANT NOTES! - **Disposable Income shall be defined as that monthly income, left over, after all necessity of life expenses are paid. It may also be referred to as the income to pay down or service the unsecured debts. The percentages mentioned above are numerical thresholds used only to determine which program a client may qualify for based on their situation. They are not to be used in marketing efforts. It is the financial capability of the client that determines which program they qualify for, if any; how long they are in and how much they have the ability to pay back to their creditors.   "No man's credit is as good as his money." ~ E.W. Howe Please complete the following form and an analyst will contact you shortly. All fields are required. First Name Last Name Day Phone Alt Day Phone Email State Select Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virgina Washington West Virginia Wisconsin Wyoming Debt Amount Select Under 10k 10k - 20k 20k - 30k 30k - 50k 50k - 100k 100k +     © Copyright 2009, MJL Financial LLC. All Rights Reserved.