Have Questions?
Your questions matter, and we’re here to provide clarity.
Debt settlement is a negotiation process where we work directly with your creditors to reduce the amount you owe. Instead of paying your full balances, we help you settle your debts for a significantly lower amount—often saving you thousands of dollars and helping you become debt-free faster.
Every situation is unique, but many clients save up to 50% or more on their total unsecured debt (before fees). Our experienced negotiators fight for the best possible reductions so you can breathe easier and reclaim financial control.
For many, yes. Debt settlement allows you to resolve your debts without going through the long-term damage of bankruptcy. You avoid court proceedings and keep more control over your finances, while still significantly reducing your debt burden.
Most clients complete their debt settlement program in 24 to 48 months, depending on the amount of debt and their ability to save. We tailor a plan around your financial situation, so you can progress at a pace that works for you.
While your credit may experience some impact during the debt settlement process—especially if you’re already behind on payments—this is often a temporary step on the path to lasting financial recovery. The good news is that settling your debts puts you back in control, and many of our clients begin seeing their credit scores improve as their accounts are resolved and they move forward with a clean financial slate. It’s a powerful step toward rebuilding strong, healthy credit.
We specialize in unsecured debts, including credit cards, personal loans, medical bills, and certain private student loans. If you’re unsure whether your debts qualify, our team is happy to provide a free consultation.
Absolutely not. We charge no upfront fees—you only pay when we successfully settle a debt. This ensures that our success is directly tied to yours.
We bring years of experience, trusted industry relationships, and a proven track record of success. Our team is committed to treating every client with compassion, transparency, and integrity—because your peace of mind matters.
Getting started is easy—and free. Simply contact us for a free consultation. We’ll review your situation, explain your options, and help you get the right plan for you. It’s time to take the first step toward financial freedom.
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Reach Us
Location:
330 N 390 E, Delta, Utah 84624
Email:
jose@zionsfinance.com
Phone:
+1 (435) 237-1044
Business Hours:
10:00 AM – 6:00 PM (MDT)