From your first free consultation to your final settled account — here's exactly what to expect. No surprises, no pressure, no upfront fees.
Most clients complete their program in 24–48 months. Here's how it works.
We review your debts, income, and budget at no cost. You'll get a clear picture of whether you qualify and what your estimated savings could look like — before you commit to anything.
We document each unsecured debt — credit cards, medical bills, personal loans — and build your personalized program plan including a monthly deposit amount that fits your budget.
Each month you deposit a set amount into a dedicated account — one you own and control. This builds the settlement fund we draw from when negotiating with your creditors.
Once enough is saved, our team contacts your creditors directly and negotiates settlements — typically for 40–60 cents on the dollar. We handle all calls and correspondence.
We present each creditor offer to you before accepting. Nothing is finalized without your approval. You stay in control of every decision from start to finish.
We handle all paperwork and the account is settled and closed. Fees are only charged after a successful settlement. Most clients finish all accounts within 24–48 months.
Free consultation. No credit check. No obligation. Takes about 5 minutes.