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Nationwide Asset Services is a privately owned debt settlement company based both Phoenix, Arizona and Sacramento, California. Nationwide Asset Services is also affiliated with several other firms that provide nearly identical services and their own separate websites including American Debt Arbitration and Universal Debt Relief. Debt settlement companies negotiate with creditors to accept reduced payments. Following the Nationwide Plan, the company claims that a person with $20,000 in debt can pay as little as $14,400 over three years time to completely eliminate the debt.