How It Works
Our team of debt experts will walk you through every step of our program—so you can get rid of debt faster than making minimum payments.
Our Experts Are Knowledgeable
in all Forms of Debt
Credit Card Debt Relief
Pay a fraction of the credit card debt you owe in less time.
Personal Loan Relief
Our experts can help you navigate through life's financial challenges.
Debt Consolidation
Save by combining multiple credit card debts into one affordable loan.
Debt Relief Settlement
Pay off the debt you owe in less time and maximize your savings.
Bad Credit Debt Relief
Our team can help resolve your debt regardless of credit score.
Unemployment Debt Relief
Put your unemployment debt behind you and get the fresh start you deserve.
Steps to Resolve Debt
Step 1 Get Your Free Debt Evaluation
Submit your application online or SPEAK with a Certified Debt Consultant to explore your choices and formulate a debt plan aimed at reducing your debt within a timeframe of 2-4 years.
Our 5 Steps to Resolved Debt
Step 1 Get Your Free Debt Evaluation
Submit your application online or converse with a Certified Debt Consultant to explore your choices and formulate a debt plan aimed at reducing your debt within a timeframe of 2-4 years.
Step 2 Customize Your Deposit Amount
FREE UP additional funds by opting for a single, affordable monthly deposit instead of grappling with elevated minimum debt payments. These deposits are allocated to settle agreements and accumulate in a program account under your control.
Step 3 Estimate Your Savings
Upon accumulating sufficient funds in your account, a Debt Negotiator initiates negotiations with creditors to decrease your outstanding balance. Typically, most members receive their initial settlement within three TO SIX MONTHS.
Step 3 Estimate Your Savings
Upon accumulating sufficient funds in your account, a Debt Negotiator initiates negotiations with creditors to decrease your outstanding balance. Typically, most members receive their initial settlement within three months.
Step 4 Estimate Your Debt FREE Date
Following your approval of the settlement offer, we proceed to send payments to your creditor directly from your account. Monitoring the progress of your settlements is convenient through your online dashboard, allowing you to estimate your debt-free date.
Step 5 Move on With Your Life FREE of Debt
Upon completing these steps for all your enrolled debts, your debt will be successfully resolved. You will then be liberated from your financial burdens, ready to embark on the next chapter of your life!
Step 5 Move on With Your Life FREE of Debt
Upon completing these steps for all your enrolled debts, your debt will be successfully resolved. You will then be liberated from your financial burdens, ready to embark on the next chapter of your life!
Real Stories—From Real Clients
"During the first few months, my impatient side started to kick in a bit while they negotiated with my creditors. But once those offers started coming in, it was like hitting the fast-forward button on my debt journey. What really helped is that I was able to throw in extra payments since I was already saving so much. So now, that everything is paid off, I just leverage my new credit cards for points and get them paid off each month. It’s definitely worth it…just a little patience to start but it DOES work!"
Christine M.
Pay Off Your Credit Card Debt
We'll provide you with a FREE debt assessment and a personalized plan of action for YOU.
FAQs
To provide you with a clearer insight into what you can anticipate, review answers to some frequently asked questions that may address your queries.
Your credit score may experience a temporary decline as you enroll in the program, depending on your current credit standing. It's important to note that a significant determinant of your credit score is your credit utilization. As the program resolves your debts, your overall debt should decrease, which should lead to a lower credit utilization and potential long-term improvement in your credit score.
The program fees vary from 15-29% of the total enrolled debt to be settled, and the rates may differ based on your state of residence.
The timeframe for resolving your debt through our program hinges on the speed at which you can accumulate funds for settlement offers. The more rapidly you save, the sooner you can achieve financial freedom, usually within a span of 24-48 months. In contrast, adhering to minimum credit card payments might extend your debt repayment to 10-20 years, resulting in paying back 2x, 3x, or even 4x the initially borrowed amount.
We handle the majority of unsecured debts*, engaging in daily negotiations with major credit card issuers and banks to reduce outstanding balances. Some of the debts eligible for settlement assistance include Credit Cards, Personal Loans, Lines of Credit, Medical Bills, Collections, Repossessions, Business Debts, and Certain Student Debts.*Unsecured debt refers to any debt not tied to an asset like a home or automobile, offering consumers fewer complications as they aren't at risk of losing an asset if unable to repay the debt.
Falling behind on payments for unsecured debts doesn't give lenders a claim on your property or the ability to repossess items or foreclose on your home; however, they can file a lawsuit against you. If uncertain about your debt's eligibility, please don't hesitate to contact us at 888-861-5862.
While there's a slim chance of facing a lawsuit from a creditor, it's worth noting that legal proceedings can be costly, and creditors typically prefer to avoid them. Our goal is to expedite the program to minimize the risk of lawsuits and swiftly navigate towards resolution.
Still have questions?
Our Certified Debt Specialists are here to help! Call us anytime for a FREE no-obligation consultation.