Our program is designed to resolve your debt for significantly less than you owe — as quickly as possible.

Debt Relief Program

The goal of our program is to resolve your debt for less than you owe. We have created it to work as quickly as possible for you.

Debt Evaluation

Our debt evaluation is completely free and no-obligation. In this process, you will have a Certified Debt Consultant to walk you through a variety of debt strategies. This will help determine if our program is right for your debt and your situation. All you have to do is make a short phone call.

Customization

We want you to succeed. To make this happen, we work with you to create a multifaceted program that allows you to resolve debt in less time, could offer savings compared to making minimum payments, and has a monthly program deposit that you’re comfortable with.

Your Program

We offer support and can answer any questions you may have along the way.

BUILD

  • You will create an FDIC-insured Dedicated Account in which you’ll make a deposit every month.
  • Your Dedicated Account drives the program forward. As you build this account, we work to design a strategy specifically for you that will help get you the best settlements.
  • You control the account and can track it at any time.

NEGOTIATE

  • We’re experts on negotiation. We know when you should start negotiation, what settlements you should negotiate, and how to get the best settlements by leveraging with creditors. With this knowledge and insight, we come up with a custom negotiation strategy for you.
  • Your negotiation strategy is put into place and our negotiations team contacts your creditors once you build enough funds in your Dedicated Account.
  • Our team and your creditors will discuss how much your debt could be reduced. From there, the settlement that provides you with the most savings as possible is arranged.

SETTLE

  • Once a settlement is reached with a creditor, our negotiation team will reach out to you to receive your authorization. This will happen whenever our team reaches a settlement with one of your creditors as your authorization is needed for each settlement.

Debt Freedom

Once the full settlement is paid on each of your accounts, the creditor(s) should report to the credit rating bureaus that your accounts are one of the following:

  • Settled in full
  • Settled
  • Paid
  • Paid by settlement
  • Settled for less than the full amount

Any of the above terms are fine. No matter which one your creditor may use, it will mean you no longer owe any of your enrolled accounts once they are settled.

After this, your debt will be behind you.