Do I need debt consolidation or debt settlement?
It depends. If you have
- Credit Cards
- Medical Debt
- Vehicle Repossessions
- Mortgage Deficiency balances
- Student Loans
- Utility Bills
- Phone Bills
- Tax Liens
And you can no longer afford to pay then it's time to consider resolving your debts with creditors.
Resolving debt can mean 3 things:
- Settling the debt aka paying less than the full balance;
- Fighting the charges because there is a legal defense to owing the full balance; or
- Paying nothing because you do not owe the debt or the debt is not legally enforceable.
We determine which option is right for you based on what we learn through our debt validation process.
Tell us more!
How much can I save?
It depends. In general we save people more than 50% (even on small accounts - it adds up!)
How long does it take?
It depends. Sometimes it takes less than 6 months, and in some cases it can take as long as 2 years. We will give you a more specific timeline during the consultation.
What does it cost?
It depends. We offer flat rate pricing and payment plans - most start at $100/mo.
Is it a loan?
No. You pay settlements as they become available and as you can afford to pay them. If you are considering taking out a home equity line of credit, or pulling funds from your 401k or retirement account to settle debt we can help you with a strategy, alternative options, and more.
Does it hurt my credit?
No. If you are already in collections, the damage has been done. We don't dispute accounts with the credit bureaus unless the debt is no longer owed. Everything we do is aimed at improving your credit.
How fast will my credit improve?
It depends. We check on it every 90 days just to make sure we are on track. Don't worry about hard pulls, we utilize your free credit monitoring service to check on your credit.
How do I get started?
If you want to book a consult just click the button!