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Get on the path to
finanical freedom
Avoid bankruptcy, eliminate debt, and
boost your credit score.
Get on the path to
finanical freedom
Avoid bankruptcy, eliminate debt, and boost your credit score.
Our Services
Debt Settlement & Resolution
What is it?
Debt settlement is a process where we work directly with your creditors to negotiate your balances down — often to significantly less than what you owe. Instead of juggling multiple high-interest payments, you make one structured monthly deposit into your own secure account, which is then used to resolve your debts over time.
Who benefits?
Debt settlement is designed for people who are overwhelmed by unsecured debt like credit cards, medical bills, or personal loans — especially when minimum payments are no longer keeping up.
Being in debt was scary — Madison & Monroe took that fear away.
- Shannon
Our Services
Debt Settlement & Resolution
Being in debt was scary — Madison & Monroe took that fear away. - Shannon
What is it?
We work directly with your creditors to negotiate your balances down — often to significantly less than what you owe. Instead of juggling multiple high-interest payments, you make one monthly deposit into your own secure account, which is then used to resolve your debts over time.
Who benefits?
Debt settlement is designed for people who are overwhelmed by unsecured debt like credit cards, medical bills, or personal loans — especially when minimum payments are no longer keeping up.
Our Services
Credit Restoration
Madison & Monroe gave me professionalism, kindness, and real support.- Belkis
What is it?
As you make your monthly debt payments—which we work with you and your creditors to make continuously affordable for you based on your specific financial circumstances—your credit profile and report will improve. On average, our customers see their credit improve by 150+ points over the course of their time working with us. We also provide personalized recommendations to your unique credit situation to help you further improve your credit score for long-term financial health and stability.
Who benefits?
Credit restoration is designed for people whose credit reports don't accurately reflect their financial responsibility. It's especially helpful if you've been denied credit cards, offered high interest rates, or are preparing for a major purchase. Credit restoration is for anyone working to rebuild credit after past financial setbacks.
Debt settlement helps you resolve debt while protecting your future options — often making it a smarter, less damaging alternative to bankruptcy.
Debt Settlement vs Bankruptcy
Here's how the two compare
Debt Settlement
Negotiated payoff — Reduce balances by
working directly with creditors.
Shorter credit impact — Settled accounts typically drop off sooner
You stay in control — You decide which
debts to settle, and how
Private Process — Negotiations are confidential
Faster Recovery — Most programs are
completed within 18 - 42 months
Asset Protection — No risk of losing property
Bankruptcy
Court Process — Debt is discharged through
a legal filing.
Long-term credit impact — Remains on your credit report up to 10 years
Loss of control — Court and trustee make
decisions for you.
Public Record — Bankruptcy filings are
available to anyone.
Slower recovery — Rebuilding credit and
stability can take many years
Asset liquidation — Certain property may be
sold to repay creditors.
Debt Settlement vs Bankruptcy
Here's how the two compare
Debt Settlement
Negotiated payoff — Work with creditors to reduce balances
Shorter credit impact — Accounts settle sooner
You stay in control — You decide which
debts to settle
Private Process — Negotiations are confidential
Faster Recovery — Programs finish in 18-36 months
Asset Protection — No risk of losing property
Bankruptcy
Court Process — Debt is discharged through a legal filing.
Long-term credit impact — Remains on report up to 10 years
Loss of control — Court and trustee make the decisions
Public Record — Bankruptcy filings are available to anyone.
Slower recovery — Rebuilding stability can take many years
Asset liquidation — Certain property may be sold to creditors.
Debt settlement helps you resolve debt while protecting your future options — often making it a smarter, less damaging alternative to bankruptcy.
Our Services
Credit Restoration
What is it?
As you make your monthly debt payments—which we work with you and your creditors to make continuously affordable for you based on your specific financial circumstances—your credit profile and report will improve. On average, our customers see their credit improve by 150+ points over the course of their time working with us. We also provide personalized recommendations to your unique credit situation to help you further improve your credit score for long-term financial health and stability.
Who benefits?
Credit restoration is designed for people whose credit reports don’t accurately reflect their financial responsibility. It’s especially helpful if you’ve been denied credit, offered high interest rates, or are preparing for a major purchase. Credit restoration is for anyone working to rebuild credit after past financial setbacks.
Madison & Monroe gave me professionalism, kindness, and real support.
- Belkis
What makes MMA Different?
Here's how we prioritize your success
Madison Monroe
Performance-Based
100% of your payments go into your own settlement account
We only get paid after we save you money
That means we’re motivated to resolve
your debt quickly
Most settlements happen in 3 - 6 months
Shorter programs mean less impact on your credit
Other companies
Upfront-fee based
Your first payments go to fees, not towards your debt
Companies get paid even if nothing settles
Companies charge monthly-fees, benefiting
by keeping you enrolled longer
Settlements often take over one year
Longer programs hurt credit for longer
What sets us apart?
Built on real results — not empty promises
Madison Monroe
Performance-Based
100% of your payments go into your account
We only get paid after
we save you money
We’re motivated to
resolve your debt fast
Most settlements
happen in 3 - 6 months
Shorter programs
impact credit less
Other Companies
Upfront-fee Based
First payments go to fees, not towards debt
Companies get paid
even if nothing settles
Benefit by keeping
you enrolled longer
Settlements often
take over one year
Longer programs hurt
credit for longer
FAQs
Commonly Asked Questions
Clear answers about debt relief, debt settlement, and what to expect — with no upfront fees and no obligation.
Yes — there are absolutely no upfront fees.
We only earn a fee after we successfully settle your debt and save you money. Your monthly payments go into a dedicated FDIC-insured escrow account in your name, not to us. If we don’t deliver results, we don’t get paid.
Debt settlement is a strategy that helps you resolve debt for less than the full balance owed. Instead of making minimum payments, you build savings in a dedicated account. We then negotiate directly with creditors to reach settlements that reduce your total debt.
For many people, yes — debt settlement offers a more flexible, recovery-focused path forward. Unlike bankruptcy, debt settlement is handled privately, without court involvement, has a shorter-term impact on credit, and allows you to resolve debt faster and regain financial stability sooner.
Most clients settle debts for 40–60% of the original balance.
Results vary based on your situation, creditors, and available savings, but our goal is always to maximize your savings and shorten the time it takes to become debt-free.
Most clients begin seeing settlements within the first 3–6 months, which often helps reduce or stop collection calls early in the process.
​
The full program typically takes 18–42 months to complete — far faster than making minimum payments, which can take decades and cost significantly more in interest.
Still have questions or want to learn more?
FAQs
Commonly Asked Questions
Clear answers about debt relief, debt settlement, and what to expect — with no upfront fees and no obligation.
Yes — there are absolutely no upfront fees.
We only earn a fee after we successfully settle your debt and save you money. Your monthly payments go into a dedicated FDIC-insured escrow account in your name, not to us. If we don’t deliver results, we don’t get paid.
Debt settlement is a strategy that helps you resolve debt for less than the full balance owed. Instead of making minimum payments, you build savings in a dedicated account. We then negotiate directly with creditors to reach settlements that reduce your total debt.
For many people, yes — debt settlement offers a more flexible, recovery-focused path forward. Unlike bankruptcy, debt settlement is handled privately, without court involvement, has a shorter-term impact on credit, and allows you to resolve debt faster and regain financial stability sooner.
Most clients settle debts for 40–60% of the original balance.
Results vary based on your situation, creditors, and available savings, but our goal is always to maximize your savings and shorten the time it takes to become debt-free.
Most clients begin seeing settlements within the first 3–6 months, which often helps reduce or stop collection calls early in the process.
​
The full program typically takes 18–42 months to complete — far faster than making minimum payments, which can take decades and cost significantly more in interest.