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Resolve your debt fast
Lower monthly payments
More money back in your pocket
One easy to manage payment

How Does Debt Settlement Work?

Evaluation and Enroll

Let's see which plan is suitable for you

Program Planning

Time to set up your plan

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Get to Work

Follow the directions and be on your way

Live Your Life

Successful program completion!

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Frequently Asked Questions

How do I know if I should pursue debt settlement?

In general, debt settlement can be helpful to individuals that are struggling to keep up with their minimum monthly payments or those individuals that are suffering a financial hardship due to change in employment, health issues, or other personal reasons. Success in the program will require you to accumulate funds on a regular monthly basis. Our knowledgeable team will work with you to set up your debt settlement plan.

When will I have to pay fees

We don’t collect fees until agreed upon debts are settled. We do not get paid until we prove our value to you first.

Will my credit score be affected while my debt is being settled?

Credit scores can decrease over the course of your enrollment in the debt settlement program. Our focus is to connect you with a provider that could help you save long money long-term by negotiating settlements on your qualified owing balances.

Can I negotiate my own debts?

If you have the negotiation skills and know how the process works, you can contact your creditors yourself and see if they will negotiate your debt. We seek to provide a service that helps alleviate this process by utilizing the help of experienced team members who have collectively helped more than 250,000 clients settle more than $20,000,000 in debt. Let us see how we could help you!

Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. Clients who are able to stay with the program and get all their debt settled could realize savings of over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating.

Debt settlement programs should not charge upfront fees and you should NOT pay any fee until a settlement has been arranged, you approve the settlement, and at least one payment is made toward the settlement. As each situation is unique, fees and costs may vary.