Debt Settlement Options Review
A conversation about eligible debt and what settlement may involve.
Nereida & Wynn Financial Collective
Debt settlement
services.
We help consumers negotiate qualifying unsecured debts with creditors and debt collectors.
Our team reviews your accounts and financial hardship, then works toward settlement terms for your approval. You accept or decline every offer.
Debt settlement services onlyNo fee for an initial inquiryYou approve each settlement
Our debt settlement program
Services
Account review, hardship evaluation, and creditor negotiations—all part of one debt settlement program.
Unsecured Debt Review
A review of creditor records, balances, and account information.
Creditor Settlement Negotiation
A settlement approach and creditor negotiations, with every offer subject to your approval.
Debt Settlement Hardship Review
An assessment of your hardship within the debt settlement process.
Speak with our team
Request a debt settlement consultation.
Ask about your unsecured debt and the settlement process. Your initial inquiry is free.
(863) 733-5396341 East 4th StreetChuluota, FL 32766nereidafinancialcollective@gmail.comHow we handle your information
No fee to inquire
An inquiry carries no commitment to enroll.
Individual service fees
Final pricing depends on the services provided. Fees and payment conditions are disclosed in a written agreement before enrollment.
Creditor payments and company fees are separate. No advance service fees are collected where prohibited by law.
Common questions
About debt settlement
Is debt settlement the same as debt consolidation?
No. Settlement involves negotiating existing unsecured debt. Consolidation generally means borrowing new money to repay existing debts. Nereida & Wynn provides debt settlement only and does not provide, arrange, or broker loans.
Is there a fee to send an inquiry?
No. Sending an inquiry is free and does not enroll you or authorize access to your accounts.
Are creditor payments included in service fees?
No. Payments to creditors and company service fees are separate transactions.
Can you guarantee a settlement?
No. Creditors choose whether to accept an offer. Results, savings, and timing are not guaranteed.
Our business
Debt settlement only
We do not separately offer financial consulting, financial planning, or debt management products.
Services we do not provide
- Loans, debt consolidation loans, or financing brokerage
- Credit repair, credit restoration, or guaranteed score improvements
- Debt collection for creditors or debt purchases
- Legal or tax services
Understand the risks
Creditors are not required to accept a settlement. Results, savings, and completion times vary and are not guaranteed. Missed payments may damage your credit, increase interest and fees, and lead to collection activity or lawsuits. Forgiven debt may have tax consequences; consult a qualified tax professional.
An inquiry does not enroll you or authorize account access. Services, fees, and payment terms require a written debt settlement service agreement and must comply with applicable federal and state law.