The first step is taking the free assessment to see which of our services suits your situation. There are many options for people like you, that are struggling with debt. Some of those options include a debt settlement program like ours where:
A. (exp.) That is the best thing about our programs, we allow our clients to pick which cards they would like to enroll and which they would like to leave out of the program, although it is possible that if you are in default on a particular credit card with a creditor, the same creditor could exercise rights to close an actively paid account. Creditors monitor overall credit risk, and a default on one account can trigger a, “cross-default” clause in cardmember agreements, allowing them to close other accounts to mitigate risk. We want to help reduce your debt to the best of our ability, so any cards that are enrolled in the program cannot be used.
Once you’ve taken the assessment and determined what you qualify for, it’s time to schedule your first consultation. During this meeting, your assigned debt counselor will assess your financial situation and suggest the best course of action moving forward.
After you’ve confirmed you want to proceed with our debt relief program, your debt counselor will develop a custom plan aimed at safely wiping out your entire credit card debt with low monthly program payments in a time-saving and cost effective way
A. (exp.) Yes! Our team offers the initial consultation as a complementary service to each new client. Program fees are only charged if you enroll, and only after we have settled a debt and you make a payment towards that settlement. Our fees are as high as 25% of the enrolled debt depending on the amount of debt and state in which you live.
A. (exp.) The initial timeline is 24 hours from planning to program commencement. Programs can take 2-4 years (and possibly longer), depending on how much debt you have and your ability to make payments. So, we want to help you begin right away!
We want everyone to complete our program and start living their new life with zero unsecured debt and valuable tools for a more secure and prosperous future. For that reason, we typically design and schedule the entire program to be complete within 24-48 months, depending on the amount of debt enrolled and your ability to set aside funds. While settlement guidelines differ widely among creditors, in our experience an accumulation of 25% of the then-current balance of a debt will normally enable our company to make a good-faith offer to settle that debt. Further, in our experience, it typically takes approximately 120-180 days before reaching the stage at which we can begin reaching out to creditors or collectors and achieve a client’s first settlement. If a client has multiple debts, we typically will make a settlement offer to the next creditor within 4-6 months of the prior debt being settled and after Client has saved at least 25% of the debt due to that next creditor.
* IMPORTANT: Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating.
Learn what your 5 options are to deal with debt and which one is best for YOU.
