Unlike Debt Consolidation or Credit Counseling where you pay back your full balances plus interest and fees, with New Century's Debt Relief Program you pay back only a portion of the balance. Usually 50% or less. Saving you tens or even hundreds of thousands of dollars in forgiven principal and interestWe negotiate with your creditors to achieve mutually agreeable settlements on your unsecured debt accounts.Debt Settlement provides the fastest way to address your debt problem. It's also the lowest cost debt solution and the most flexible method of debt assistance available to consumers.