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DS Enrollment

DS Enrollment

A Customized Loan
With No Hassles

  • L oans approved the same day fast
  • E asy fixed monthly fee that covers all costs
  • V ast network of lending resources
  • E xpert guidance from accredited debt counselors
  • L ess stress with uniquely tailored plans that restore hope
DS Enrollment

We’ve Helped Thousands of Customers
Like You Deal With Debt

Diane B. from Highland Heights, Ky., borrowed $10,000 for home improvement

Guy Pacini Review Stars

“Joshua Newman has helped me greatly with my credit card debts. This is one of the best things that has happened to me in years. Thanks to Josh I can satisfy my creditors, pay my bills, and avoid bankruptcy. May God bless him and Level Debt. Thank you for helping me find my solution and get out of debt.”

Lena Nicholaisan Review Stars

“Joshua Newman and Kelley McGowan have been nothing short of life savers. I got way in over my head with debt, and these two have shown me the solution for paying off my credit cards and putting my life back together again. Kelley guides and supports me every month with her patient and expert credit counseling in achieving financial success. I am so happy I went ahead with this program.”

Debt Settlement FAQs

What is the difference between secured and unsecured debt?

A secured loan is anchored to collateral (e.g., a car or a home). With a secured loan, a lender can repossess the collateral if you fail to pay the loan.

An unsecured loan is unconnected to collateral. Credit cards, private student loans, and personal loans are examples of unsecured loans. If you default on an unsecured loan your property can’t be seized.

What types of debt qualify for the Level program?

We can help clients who possess unsecured forms of debt such as:

  • Credit card bills
  • Medical bills
  • Private student loans
  • Business debt (business is no longer operational)
  • Repossessed property (when determination of amount owed has been made)
  • USAA (if you have no other loans or checking or savings accounts)

Do I qualify for debt relief?

In order for the Level program to work, you must meet certain qualifications:

  • Minimum of $15K in unsecured debt
  • Medical bills not to exceed 40% of total enrolled debt
  • Private (non-federal) student loans not to exceed 40% of total enrolled debt
  • $500 minimum account balance for each enrolled account
  • You can make a $250 minimum monthly program payment
  • Revolving accounts must be open six or more months and have had at least six payments made on them. Personal unsecured loans should have been open three months and have three payments made on them.

What options do I have to get out of debt?

Depending on your situation, Level offers two comprehensive debt reduction programs:

1. If you can still afford minimum payments, and your credit history is intact, our Debt Management Program makes it easy to renegotiate your interest rates and resolve your debt in four years or less.

2. If your payment background is less than ideal, our Debt Settlement Program is the quickest way (6-48 months) to eliminate your debt at the lowest cost.

Will this program have a negative effect on my credit?

There are no guarantees on the credit scores. However, we have found that by finishing the Level program, and paying debts on time outside of the program, some of our clients see their credit profiles improve significantly.