Reduce What You Owe with Personalized Debt Relief Services
Not all debt solutions work for every situation. We help you evaluate the options and determine what could resolve your debt faster and for less than you owe.
Speak With a SpecialistDebt Counseling
Counselors review your full financial picture, help you build a budget, and offer guidance on managing what you owe.
Debt Management
A structured repayment plan that consolidates monthly payments and works with creditors to keep terms manageable over time.
Debt Consolidation
Combine multiple balances into a single loan with one monthly payment, typically at a lower interest rate.
Debt Settlement
Our team negotiates directly with creditors to reduce the total balance owed, often resolving accounts for less than the full amount.
How Debt Settlement Works
Most programs run 24 to 48 months, depending on total enrolled debt and monthly deposit amount.
1. Account Activation
Our team reviews your enrolled accounts and determines which balances to negotiate first, based on your debt reduction plan.
2. Negotiation
Once sufficient funds have accumulated, we submit and negotiate reduced payoff offers directly with your creditors.
3. Settlement & Payoff
Accepted settlements are paid from your dedicated account, and each resolved balance is marked paid off as your program progresses.
Common Questions
How are debts selected for settlement?
During enrollment, unsecured accounts are reviewed to determine eligibility for negotiation. Not all debts qualify, but most credit cards, personal loans, and medical bills can be considered based on balance and status.
When do negotiations start?
Negotiations typically begin once enough funds have accumulated in your dedicated account to make a credible offer to a creditor, which varies by account.
How are settlements paid?
Once a creditor accepts a negotiated offer, the agreed amount is paid from the funds you have been depositing into your dedicated account.
How will I know when an account is resolved?
You can track negotiation status and settled accounts at any time through the DebtApp, and our team will confirm once an account is paid off.