Yes, debt resolution may initially impact your credit score negatively. However, for most clients, this is a temporary effect. As you complete the program and settle your debts, you can begin rebuilding your credit. Many of our clients find that the long-term benefits of becoming debt-free outweigh the short-term credit impact.

Our fee structure is based on a percentage of the enrolled debt, typically ranging from 15-25% depending on your specific situation and the state you reside in. We offer a free consultation to assess your needs and provide a detailed quote with no hidden fees. We only collect fees after we've successfully negotiated and settled your debts.

We specialize in unsecured debts such as credit cards, medical bills, personal loans, and certain types of private student loans. We generally don't work with secured debts like mortgages or auto loans, or with certain types of debt such as federal student loans, tax debts, or utility bills. During your free consultation, we'll review your specific debts and determine how we can best assist you.

Debt resolution involves negotiating with creditors to settle your debts for less than what you owe, typically allowing you to become debt-free in 2-4 years. Bankruptcy is a legal process that can eliminate or restructure debts but has severe, long-lasting consequences for your credit. Debt resolution is generally less damaging to your credit score and financial future than bankruptcy, making it a preferable option for many people.

Once you enroll in our program, we provide you with instructions on how to communicate with your creditors. While some contact may continue initially, our team works to redirect all communications to us. We handle negotiations on your behalf, significantly reducing creditor contact. In some cases, we can help stop harassing calls through legal protections available to debt resolution clients.

Qualification for our services depends on several factors, including your total debt amount (typically $7,500 or more), your financial hardship, and your ability to set aside funds monthly for settlements. The best way to determine if you qualify is to schedule a free, no-obligation consultation with one of our debt specialists who can evaluate your specific situation.

While most creditors are willing to negotiate, some may initially refuse. Our experienced negotiators have established relationships with major creditors and know the strategies that work. If a creditor remains unwilling to negotiate, we'll discuss alternative options for handling that specific debt, which might include different settlement approaches or other resolution methods. In rare cases, we may need to exclude certain debts from the program.