About Horizon Debt Group, LLC

Horizon Debt Group is an honest and reliable consulting firm based in Florida. Our only focus is customer satisfaction. Every client is unique and we understand that. We will provide every customer enrolled in our program with personalized dedicated case manager assigned to guide you throughout process of lowering your debt. We have worked hard creating solid relationship with partners to provide you with a variety of financial services.

Millions of Americans seek help from a financial counselor every year to settle or consolidate their unsecured debt.

The average American household is carrying $20,000 in unsecured debt. We understand your financial concerns, millions of Americans seek help from a financial counselor every year to settle or consolidate their unsecured debt.

From the beginning our team of talented professionals are committed to building trustworthy relationships with clients based on honesty, prompt service and results. Our affiliated service uses a highly efficient processing system. If you need expert financial counseling and assistance, Horizon Debt Group would be delighted to help you achieve financial success and put you on a path to secure your personal financial future.

Debt Settlement

Debt settlement (also known as debt negotiation) is the negotiation of your current total debt to a lower amount – minimizing a portion of your debt. This process may have a short-term negative effect on your credit but once you negotiate and settle your creditors will report your accounts as “settled” or “settled in full”. Once you have settled all of your debt you will be able to re-establish your credit.

Negotiation of your current total debt to a lower amount – minimizing a portion of your debt.

By calling and speaking to one of our professional consultants, which is free and has no obligations, we will be able to answer any questions about the program and your specific situation.


Our service has assisted thousands of clients and is offered nationwide. The program length will vary based upon the individual needs but generally takes 18-36 months until the debt is negotiated down. This is a much better outcome than paying your creditors for additional unnecessary years of interest.

Debt Managment

The Debt Management Program allows you to create an exclusive solution to your individual needs. This program helps you consolidate any unsecured debt which is any debt not secured to an asset. Examples of unsecured debt include: credit cards, department store cards, collection agencies, credit lines, and unsecured personal loans or payday loans. Once enrolled into a Debt Management Program we will consolidate your payments and disburse to your creditors on your behalf.

Convenience of making one monthly payment to your creditors while reducing your interest.

After enrollment in this program, you will have the convenience of making one monthly payment to your creditors while reducing your interest. A Certified Credit Counselor Specialist will provide assistance throughout the process.

A professionally trained Certified Credit Counselor Specialist will:

- Evaluate your financial situation
- Assist you in creating a budget
- Work with creditors for a possible reduction in: finance charges, late fees and/or over-limit charges, monthly payments and time to pay off debt

Loan Management

Loan modification is the process of changing the terms of a contract agreed to by the lender and borrower. Loans can be modified to reduce interest rate, reduce the principal amount, reduce late fees and other penalties, lengthen the loan term, cap the monthly payment to the percentage of household income, or a temporary suspension of monthly payments.

Loan modification is the process of changing the terms of a contract agreed to by the lender and borrower and usually takes 60-120 days.

The process for loan modification usually takes 60-120 days. Lenders should not foreclose on a property during the process of a modification. If they attempt to foreclose we will take the necessary steps to prevent it. If you were denied a modification before you may still be eligible.


If one of the following applies to you, we can help:

- Divorce
- Unfair, Adjustable, or Negative Loan
- Home Value Decreased
- Adjusting Payments or Interest Rate
- Imminent Foreclosure
- Obtained Notice of the Sale of your Home
- Death of a Family Member
- Extreme Hardship

Tax Resolution

Tax Resolution helps with back taxes, unfiled returns, or if you are under audit. Back taxes are taxes you owe that are past the due date or the remaining amount after underpaying your taxes. If you owe back taxes tax agencies can demand immediate payment and impose fines, penalties, and interest rates. If you owe the IRS we may be able to reduce the overall amount.

If you owe back taxes tax agencies can demand immediate payment and impose fines, penalties, and interest rates. If you owe the IRS we may be able to reduce the overall amount.

While avoiding paying your back taxes is a crime, you can avoid criminal prosecution. By filing back taxes as quickly as possible you may be able to minimize fines and penalties. Even if you owe back taxes for several filing periods it is better to file late tax returns than continuing to avoid back taxes which could lead to complications.


By negotiating with the involved tax agency we may be able to:

- Prepare your tax return for you as quickly as possible
- Lower penalties or interest rate
- Reduce the principal owed

Budget Planning

Budget Planning allows you to manage your expenses and maximize the use of your money. By inspecting your expenses we can determine where you may be able to reduce or eliminate certain costs. iMoneyQuest is a comprehensive interactive, web-based personal financial course designed to teach consumers money management and budgeting concepts necessary to maintain healthy finances.

You can learn and understand how to create and keep a budget.

With our financial literacy course you can better understand how to create and keep a budget without straining to keep a balance.


The Budget Plan offers:

- Clear and understandable financial management information
- Work at your own pace
- Complete all at once or stop any time and return later
- Available 24/7
- Log back in as often as you wish to complete or review

Bankruptcy

Bankruptcy means that a person or organization cannot repay debts owed to creditors. The two most common forms of bankruptcy are Chapter 7 and Chapter 13. Chapter 7 liquidates the debtor’s property to repay debts. You will be able to hold on to some assets but others will be sold off to repay your debts. To be eligible for Chapter 7 you must pass a means test which varies by state.

Bankruptcy means that a person or organization cannot repay debts owed to creditors. The two most common forms of bankruptcy are Chapter 7 and Chapter 13.

If you do not qualify for Chapter 7, Chapter 13 instead for individuals who have a stable income and can pay their debts with additional time. Chapter 13 does not liquidate debt, meaning you can keep your assets, but you will have to repay at least a portion of the debt.


Bankruptcy will negatively affect your credit but it is likely your credit has already been affected by your debt. Bankruptcy will stay on your credit report for ten years but it is a necessary step to resolve debts.

With the Debt Management Program it brought our interest on all of our cards down to single digits and all we make is a single payment a month and they take care of distributing it out to our creditors. Willie B. LA

It has been one year since I started the program and have already paid off 2 of my credit cards, only 2 more to go. By the time I'm done with the program I will have paid a total of 11k. Robert S. MO

I had almost 45 thousand dollars in total debt with 7 credit cards. After 2 years I had paid off all my debt after paying about 15 thousand dollars. Thank you so much Horizon Debt Group! Margie S. FL