Debt can feel overwhelming, but you are not alone. We provide the guidance, resources, and support you need to understand your options and find a path forward.
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Understanding your options is the first step toward financial freedom. Here is a simple breakdown of how debt relief programs can help.
Speak with a certified debt specialist who will review your situation, explain your options, and help you understand what programs you may qualify for.
Professional negotiators work directly with your creditors to reduce the total amount you owe, often settling debts for significantly less than the original balance.
As settlements are reached, your debts are resolved one by one. Most clients complete their programs in 24-48 months and regain their financial independence.
When debt becomes unmanageable, it is important to know that you have options. Different solutions work for different situations, and understanding the differences can help you make the right choice for your circumstances.
Debt Settlement
Negotiate to pay less than you owe, typically 40-60% of the balance.
Debt Consolidation
Combine multiple debts into one monthly payment at a lower interest rate.
Credit Counseling
Work with professionals to create a budget and debt management plan.
Debt relief programs can temporarily impact your credit score. However, many people who are struggling with debt already have impacted credit. Once you complete a program and your debts are resolved, you can begin rebuilding your credit.
Most debt relief programs require a minimum of $10,000-$15,000 in unsecured debt (credit cards, medical bills, personal loans). The more debt you have, the more negotiating leverage there is with creditors.
Most clients complete their programs in 24-48 months, depending on the amount of debt and their ability to make monthly program deposits. Some debts may be settled much sooner.
Yes, debt settlement is completely legal. Creditors regularly agree to accept less than the full balance owed because it is often more cost-effective than pursuing collections or legal action.
Find out what options are available to you. Our free assessment takes just a few minutes and will not affect your credit score.