We charge no fees until a debt has been successfully negotiated for you. Once you make one payment towards the negotiated debt then a service fee applies to that particular debt. We are committed to making the client fully aware of any fees that would be applicable. We invest in customer service to ensure that we deliver a high quality product that creates a positive end result for our client.
Your personal counselor will go through a Personal Financial Analysis with you. This analysis is a detailed session that will identify your current situation, create a game plan to help reach your financial goals and review all possible options to find the right option for you.
We generally can help with any unsecured debt including, but not limited, to credit cards, medical bills, personal loans and business debts. However, every situation is different and we cannot guarantee that all creditors will agree to negotiate and/or settle. We will analyze your situations and let you know which creditors we will accept in to the program.
In a debt settlement program we will aggressively work with your creditors in order to reach a mutually agreeable settlement. This is done through a series of negotiations, after you have saved funds, performed by professionals who are experienced in working with your creditors. Your hardship and financial situation will be explained to your creditors during the settlement process in order that a fair agreement may be reached. Keep in mind that no company or professional can promise or guarantee you that all of your accounts will settle. If they do so, this is your sign that they may not be shooting straight with you. The truth of the matter is that not all creditors will participate in negotiations. We will do our best to get you results as quickly as possible with industry experience and knowledge.
We do not get paid until we settle your debt so we certainly are motivated to get results. The actual size of any debt reduction and the actual length of time that will be needed to negotiate a specific settlement or to complete your plan is not guaranteed. Any individual creditor may use a number of different criteria in determining that creditor's willingness to settle a debt or the amount acceptable in settlement, including but not limited to, the amount of debt, the current status of the debt, the reasons you are seeking debt settlement, the type of debt ant the amount of your disposable income.
Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances or your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D Reg. No. T.S 12-03825.
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