How it works
The whole process, no fine print.
Federal rules require you to hear the time, the thresholds, the credit damage, and the lawsuit risk before you agree to pay anything. So here it all is — before any call to action.
Step 1
The review (free)
A specialist maps every debt: balances, creditors, status, and your budget. You learn whether settlement fits, what it would cost in total, how long programs like yours usually run, and what could go wrong. Nothing is signed on this call unless you want it.
Step 2
The account (yours)
You open a dedicated account at an insured bank in your name and deposit one monthly amount. The money is yours, earns its interest, and you can withdraw it any time without penalty. No creditor is paid from it until you approve a settlement.
Step 3
The negotiation
As funds build, each creditor is approached for a reduced lump-sum payoff. Creditors are not required to negotiate — some refuse, some sue instead. Every offer comes to you for approval before anything moves.
Step 4
The settlement
You approve, the agreement is signed, you pay the creditor from your account — and only then is any fee earned. Debts resolve one at a time until the enrolled set is done. Forgiven balances may count as taxable income; talk to a tax professional.
Mon–Sat, 8am–9pm local time