You set aside what you can afford each month into an account in your own name. We negotiate your enrolled accounts down, you approve every settlement, and no fee is charged until one is done.
Four things worth knowing before you call anyone.
We negotiate your enrolled accounts with the creditors and settle them for less than the full balance.
Your deposits go into an FDIC-insured account in your own name, not ours. You can see it the whole way through.
Every settlement offer comes to you first. Approve it or turn it down, and leave the program whenever you want.
If borrowing beats settling, we'll tell you and point you to lenders. We don't lend.
Tell us what you owe and what you earn. We go through the accounts and tell you straight whether this is worth doing at all.
You decide what you can genuinely put aside each month. It goes into an FDIC-insured account in your name and builds up there.
We negotiate each enrolled account and bring you the offers as they land. You decide which ones to take.
The first call costs nothing and commits you to nothing. If this isn't right for you, we'll say so on the phone.