Simple And Effective Credit Solutions offers an alternative debt solution program that aims to resolve charged-off debts for 35% of the alleged balance over 12-18 months. This option aims to permanently remove derogatory accounts and improve credit scores, providing more effective results than options like bankruptcy, debt settlement, debt consolidation, doing nothing, borrowing from friends/family, or debt management programs. Most other options require repaying 100-105% of debt balances over longer periods of 2-6 years and can negatively impact credit scores throughout that time or leave clients vulnerable to legal actions.