Everything you need to know about debt relief, how our program works, and what to expect.
Debt settlement is a process where we negotiate directly with your creditors to accept a lump-sum payment that is less than the total amount you owe. In exchange, the creditor agrees to consider the debt fully resolved.
For example, if you owe $30,000 across several credit cards, a successful settlement program might result in paying $14,000–$17,000 to close all of those accounts — eliminating the remaining balance entirely.
You may be a good fit if you:
The best way to know for sure is to complete the free consultation — it takes just a few minutes.
None at all. The consultation is completely free, there is no credit check, and there is no obligation to enroll. We simply review your situation and walk you through your options honestly.
We work with unsecured debt, including:
Secured debts like mortgages and active auto loans, as well as federal student loans and tax debt, are generally not eligible for settlement.
Once enrolled, you stop making payments to your creditors and instead deposit a set monthly amount into a dedicated savings account that belongs to you. As that account grows, our team negotiates with each creditor to accept a reduced lump-sum settlement. When a creditor accepts an offer — and you approve it — the funds are paid out and that account is resolved. This continues account by account until all enrolled debts are settled.
Most clients complete the program in 24 to 48 months. The timeline depends on your total debt amount and how much you can contribute each month. The more you save, the faster accounts can be settled.
You may receive collection calls in the early months of the program — especially before your accounts become significantly delinquent. Once enrolled, your creditors are notified that all communication should go through us, and calls typically decrease significantly. Our team handles all contact with collectors on your behalf so you don't have to deal with them directly.
Yes. No funds are ever released from your savings account without your explicit approval. You will be informed of each offer before anything is paid, and you decide whether to accept or reject it.
No. We never charge upfront fees. Our fees are only collected after a settlement has been successfully negotiated and you have approved it. If we don't settle a debt, you don't pay for it.
The IRS may consider forgiven debt as taxable income. If a creditor forgives $600 or more, they may issue a 1099-C form at year end. However, if you are insolvent at the time of settlement — meaning your total debts exceed your total assets — you may qualify for an exclusion. We recommend consulting a tax professional to understand how this applies to your situation.
Yes — debt settlement will negatively affect your credit score, primarily because payments to creditors stop during the program. However, for most people already struggling with debt, the score has already declined. The impact from settlement is often smaller than expected, and it is temporary.
More importantly, completing the program eliminates the debt itself — which creates a stronger financial foundation for rebuilding your credit over time. Most clients see meaningful score improvement within 12–24 months after completing the program.
Both can provide significant debt relief, but they work very differently. Bankruptcy is a formal court process that becomes a matter of public record and remains on your credit report for 7–10 years. Debt settlement is a private negotiation that does not involve the courts, is not public record, and typically has a shorter credit recovery timeline.
For people with steady income and primarily unsecured debt, settlement is generally the less disruptive path.
It is possible, though not common. Most creditors prefer to negotiate rather than pursue legal action, especially when your team is actively engaging them. In the rare event a lawsuit is filed, your team will be notified and will work with you on the appropriate response. We monitor all enrolled accounts throughout the program.