Step 1: Free Consultation
Begin by calling us or submitting the form to speak with one of our certified Debt Specialists. We’ll review your accounts, discuss your goals, and determine whether Debt Settlement is the right solution for you. If it is, we’ll design a personalized plan tailored to your needs.
Step 2: Monthly Deposits
Once you’re enrolled, you’ll start making one low monthly deposit into your dedicated program account. These funds will accumulate and be used for future negotiations. As your balance grows, our team begins negotiating with your creditors on your behalf.
Step 3: Debt Negotiation
We work directly with each creditor to secure the best possible settlement. Throughout the process, we’ll keep you updated and notify you when a settlement offer is reached. You’ll always have the opportunity to review and approve each agreement.
Step 4: Settlements
Most clients see their first settlement within 3–6 months. Once you approve an offer, we use the funds in your account to pay the creditor. Depending on the terms negotiated, payments may be completed in as little as 1 month or up to 24 months.
Step 5: Debt Freedom
After each settlement is finalized, we request that your creditor update your credit report to show the account as settled in full with a zero balance. We repeat this process until all accounts are resolved—helping you become debt-free in as little as 12–54 months.
Need help understanding your debt relief options?
Talk to a Certified Debt Analyst today and get a free, personalized consultation.