You stay in control. Our specialists do the work.
Here is exactly what happens from your first phone call to the day your last balance clears — what we do, what you do, and what it costs at each stage.
A free conversation, not a sales pitch
About twenty minutes on the phone. We ask what you owe, what you earn, and what's making this month hard. Nothing is committed and nothing is enrolled.
Your options, written down and side by side
You get every realistic path with its cost, its effect on your credit, and its timeline — including free options and the ones we don't get paid for.
We negotiate; you make one payment
If you enroll, you deposit into a dedicated account you own and control. Your specialist contacts creditors and brings each offer back to you for approval.
Balances clear and the calls stop
As each debt settles, it's resolved for good. When the last one clears you leave the program with no enrolled balances — and a specialist who'll walk you through rebuilding.
What a debt program actually feels like
Enrolling has real trade-offs. You should hear them before you decide, not after.
Your credit will likely dip first
Settlement usually involves missed payments, which lower your score. Many clients see recovery as balances resolve. Consolidation generally has a much smaller impact — your specialist will tell you which applies to you.
Collectors may still call early on
You can direct collectors to us. Federal law also lets you demand in writing that a collector stop contacting you directly, and we'll show you how to send that request.
Not every debt is eligible
Secured debts such as mortgages and auto loans, plus most student loans, child support, and tax debt, generally cannot be settled. We'll tell you on the first call what qualifies.
Forgiven debt may be taxable
The IRS may treat forgiven balances above a threshold as income and you could receive a 1099-C. We are not tax advisors — speak with a tax professional before you enroll.
You pay nothing until we deliver
For settlement, fees apply only after a debt is actually settled and you have approved that settlement. No upfront fees, ever.
You can leave at any time
The money in your dedicated account is yours. If the program stops making sense for you, you can withdraw — we'll explain what that means for your accounts before you do.
From first call to final balance
A representative settlement program. Yours depends on your creditors, balances, and monthly deposit.
Free call, written options, and your decision. No deposits yet.
Your dedicated account grows. First negotiations often start once there's leverage.
Smaller balances usually resolve first. You approve each offer before it's accepted.
Remaining creditors negotiate as your deposit history strengthens your position.
Final balance clears. You receive documentation for every settled account.
Timelines are illustrative, not a promise of results. Program length depends on your enrolled balances, deposit amount, and creditor willingness to negotiate. Some clients do not complete their program.