What We Do
Our goal is to get you on a path to becoming debt free as quickly as possible.
1. Free Debt Evaluation
First, one of our friendly Certified Debt Consultants walks you through a range of debt strategies to help determine if our program could be the right solution for your debt. It’s a short, no-obligation phone call. To request a call now, click here.
2. Custom Tailored for You
To help you succeed, we work with you to design a program that:

  • Could offer significant savings compared to making minimum payments
  • Enables you to resolve your debt in less time
  • Has a monthly program deposit you feel comfortable with
3. Resolve Your Debt

Every step of the way, friendly customer service representatives are ready to answer questions and offer support.

Each month, you make a monthly deposit into an FDIC-insured Dedicated Account that you control. Your Dedicated Account is the engine that drives your program.

We know the best time to start negotiation, what type of settlement to negotiate, and how to leverage a settlement with one creditor to get a better settlement with another. We use this insight to create a negotiations strategy just for you.

Now that you’ve reduced the amount you owe, it’s time to settle. Our Debt Specialists will work with you to finalize all settlements with your creditors.

4. No Up Front Fees

After the full settlement amount is paid on each account, your creditors should report to the credit rating bureaus that your accounts are either settled in full, settled, paid, paid by settlement, or settled for less than the full amount.

Regardless of the term used, you no longer owe on any of your enrolled accounts once they are settled — their balances are zero.

Your debt is behind you!

Is This Program Right For You?
Here’s how our Free Debt Consultation Works:
  • Our Certified Debt Specialist will go over what programs are available and what debt relief options you have
  • They will review your financial situation and figure out the most effective program to help you become debt free
  • Depending on which program you choose, they will walk you through the timeline and details on the program to let you know exactly how it will work
  • If you decide to move forward, you will have taken the first step towards becoming debt free