Debt made me

It is normal to see a temporary drop in your credit score when starting your debt resolution program. This can be concerning, but it is temporary and an anticipated part of the process that helps lay the groundwork for us to lock in new terms and agreements with your creditors.

The most important thing to remember is that you are the one with the control — not your creditors. The quicker you get through the program, the quicker your overall creditworthiness can begin to improve. Additionally, many of our former clients have reported full credit score recovery and improvement after graduating from their debt resolution program.

We only work with debts without collateral attached to them, also known as unsecured debts. Credit card debt, medical bills and payday loans are all examples of unsecured debt. Debts with collateral attached, like mortgages and car loans, are not eligible for our debt resolution program. We are also unable to assist with federal student loans.

We have no upfront fees, and our team doesn’t make a penny unless we successfully lower your enrolled debt.* Our fees are performance-based and contingent on our success with reaching more favorable terms and agreements with creditors on your behalf. These fees vary, but generally range between 15% and 25% of your debt balances at the time of enrollment.

* Note: Our team will also collect a fee from your Dedicated Account, but only once:

1. You and your creditor have agreed upon resolution
2. You’ve made at least one payment towards that new resolution
3. We have reduced what you owe

You do! The reason for setting up this new account, rather than putting your monthly deposits into an existing bank account, is to keep those debt resolution funds separate from your other money. If you ever withdraw from the program, the remaining funds in your Dedicated Account, minus banking, third-party and earned debt resolution fees, are yours to keep.