A CLEAR Path to Debt Relief
See what settling your unsecured debt could cost, in dollars, before you give anyone your phone number. The fee, the timeline and the downsides are all in the estimate.
Since 2008 · Real people in English, Spanish and Hungarian
Month 28 of 28. All 4 accounts resolved in this illustration.
Drag the sun to walk the plan. Each cloud is one account. Illustrative.
The plain terms
Most companies bury these in the footer. We put them first, in the same size as everything else.
What it costs
Fees apply, and you see them in dollars before you sign.
The fee is a percentage of your enrolled debt, set individually, and charged only after a settlement is reached. The estimates here use an illustrative 20%.
How long it takes
Most programs run 24 to 48 months.
Accounts resolve one by one as your dedicated account grows.
What can go wrong
Your credit score will drop during the program.
Creditors may keep collecting and can sue. Forgiven debt may be taxable (IRS Form 1099-C). Not all creditors settle.
Who you’ll talk to
A real person picks up the phone. No bots.
In English, Spanish or Hungarian. We also serve clients abroad who hold a US SSN or ITIN.
Statement activity
An illustrative $25,000 spread over four accounts. The right-hand column is what is still open. Nothing on it moves without your yes.
A real person goes through your debts with you. If settlement is not right for you, we say so and point you somewhere better.
A dedicated account in your name at a federally insured bank, held by an independent processor, that you can view online 24/7. One monthly deposit replaces the pile of minimums.
We work each account separately, one creditor at a time, for less than the balance you owe.
Before a single dollar is paid, you see the creditor, the settled amount and the fee. Nothing is paid to a creditor without your approval.
Your yes, every timeEach settled account drops off the list. Most programs run 24 to 48 months, and the column ends at zero.
Programs
For people and for businesses. None of it is a loan.
For individuals
For unsecured debt you are struggling to pay. We negotiate each account for less than you owe, and you approve every settlement.
For business owners
For businesses under pressure from debt, including merchant cash advances (MCA). We negotiate with the funders.
Business debt reliefFor business owners
See where the money goes and plan what comes next, so the business can breathe again.
Cash-flow consultingA consolidation loan is new debt used to pay off old debt. Some companies earn money when you take one. We don't offer them at all, so we have no reason to steer you toward one.
Compare options
Settlement is one path out of debt, not the only one. Here is how it stacks up, including where the others are the better choice.
| What we compare | What we do Debt settlement |
Consolidation loan | Debt management plan | Bankruptcy |
|---|---|---|---|---|
| What it is | We negotiate each debt down; you pay the settled amounts from an account in your name. | A new loan pays off your old debts. You still owe the full balance. | A nonprofit credit counselor arranges lower interest; you repay the full balance. | A court process that can erase or restructure debt. |
| What it costs | The settled amounts plus our fee, charged only after a settlement is reached and shown as its own line. Forgiven debt may be taxable. | The full balance plus interest on the new loan, and any loan fees. | The full balance, usually with a small monthly fee. | Court and attorney fees. |
| How long | Most programs run 24 to 48 months. | The loan term, often several years. | Often 3 to 5 years. | Months (Chapter 7) or 3 to 5 years (Chapter 13). |
| Credit impact | Your score will drop during the program. | Needs good credit to qualify; can help if paid on time. | Usually a smaller dip; enrolled cards are often closed. | The largest impact, reported for 7 to 10 years. |
| Who it fits | $10,000 or more of unsecured debt you can't keep up with. | Good credit and income steady enough to repay in full. | You can repay in full if the interest comes down. | Debt you cannot repay in any realistic time. Talk to a bankruptcy attorney. |
If a debt management plan or bankruptcy fits you better, we will tell you so. Free nonprofit credit counseling is a good first call for many people, and we will point you there when it is.
Settlement letters
One illustrative client, three accounts, $38,200 enrolled. These are mock-ups in round figures, not real client letters.
Re: Credit card account ending ••42
This letter confirms that the account above is settled in full for the amount below, paid as agreed from the client's dedicated account.
Illustrative example
Every settlement above was approved by the client before it was paid.
Re: Medical account ending ••07
Settled in full for the amount below.
Re: Personal loan ending ••19
Settled in full for the amount below.
Illustrative example. Results vary; not all debts settle. Your credit score will drop, creditors may still sue, and forgiven debt may be taxable.
Who picks up
Is it right for you
Guides
Plain-language help, whether or not you ever call us.
Yes. Your credit score will drop during the program. If protecting your score matters more to you than lowering what you pay, a debt management plan or a loan may suit you better. The comparison above shows the trade.
It can happen. Creditors may continue collection while your accounts are enrolled, and they can sue. If you receive court papers, call us right away at 866-659-7966.
It may be. The IRS can treat forgiven debt as income, and a creditor may send you Form 1099-C. A tax professional can tell you how it applies to you.
A fee applies: a percentage of your enrolled debt, set individually, and charged only after a settlement is reached. Every estimate shows it as its own line, in dollars. The estimates on this page use an illustrative 20%. We show you the exact fee before you decide anything.
No. We don't make or sell consolidation loans. We negotiate what you owe. If a loan would serve you better, we'll tell you.
Call us and we'll adjust the schedule. You won't be dropped.
No. You don't have to enroll every creditor. Your negotiator can talk through which accounts make sense to include.
We're enrolling clients in Florida, Georgia, Texas and California. Debt settlement isn't available in every state. If yours isn't on the list, free nonprofit credit counseling is a good place to start.
We also work with clients abroad who hold a US SSN or ITIN.
Next step
Check your state, see your estimate, then decide. Nothing is signed until you say yes.
Four short steps
Your estimate first. Contact details last.
Four short steps · estimate before contact
Step 1 of 4
