What is debt settlement?

We use our preexisting relationships with creditors to negotiate your debt down , helping restore your credit score by having the debt listed as "Paid in Full" or "Paid as Agreed" on your credit report and ultimately having you debt free in 36 months or less.

What types of debts can be settled?

Unsecured debts, like most credit cards, collection accounts, medical bills, etc. See a full explanation of what debts can normally qualify to enter into our debt settlement program.

What is the minimum debt allowed?

Each account must have a balance over $500 and the total minimum debt must be over $7.500 and there is no maximum.

How do I only payback a fraction?

We settle each account with each creditor on a case by case basis scenario.

How long does it take?

Our debt settlement program is designed to help people become debt free in 36 months or less.

How do I qualify?

To qualify you must be committed to getting out of debt, your debts must be accepted into our program and you must be in some type of a hardship.

Can debt settlement affect my credit?

Yes, a debt settlement program can have a short term negative effect to your credit. Since no monthly payments are made to your creditors, they can report late payments on your credit as we negotiate with them.

Then when the account is settled, it would read as "Paid in Full" or "Paid as Agreed", that will then help you repair your credit.