The Debt Relief Program
Get Out of Debt for Good
Simplify your finances with one easy monthly payment.
Reduce the principal amount you owe.
Achieve financial freedom in 12-48 months.
What Makes Us Different?
We're a small debt relief company that genuinely cares about helping our clients get into a better financial situation. We don't charge any upfront fees or costs and we try to do the right thing by our people. We don't actually charge consumers anything for our service until their debt is resolved and a payment plan is established. In addition to this, you'll also ideally have one main point of contact throughout the debt relief process.
Start Saving Today
Life without debt can be hard enough. Relieve your financial stress so that you can focus on the things that are more important to you. However, please be advised that not all debt accounts qualify for our debt relief program and we do have minimum requirements. We cannot typically include any student loans, federal loans, secured loans (mortgages, auto, HELOCs, etc.) and any other account that we deem not fit to include in our program (at our sole discretion). As with everything, there can sometimes be exceptions so please feel free to reach out to us to double check.
Who Qualifies for Our Debt Relief Program?
Our debt relief program is designed for consumers who are struggling with unsecured debt and need a realistic path to becoming debt free. You don't need perfect credit to qualify — in fact, most of our clients come to us because traditional options like balance transfers or consolidation loans are no longer available to them.
To enroll in our program, you generally need at least $7,500 in qualifying unsecured debt. The types of debt we can help with include credit card balances, personal loans, medical bills, private student loans (in some cases), lines of credit, and certain other unsecured obligations.
There are some types of debt that cannot be included in our program. These include federal student loans, mortgages, auto loans, home equity lines of credit (HELOCs), and any other secured debt that is backed by collateral. We also cannot include accounts that we determine are not a good fit for the program at our discretion.
Our program works best for people who are experiencing financial hardship, whether that's due to job loss, reduced income, a medical emergency, divorce, or simply falling behind on high-interest payments with no realistic way to catch up. If your minimum monthly payments are consuming a significant portion of your income and you're not making meaningful progress on your balances, you may be a strong candidate.
Not sure if you qualify? We offer a completely free financial consultation with no obligation. We'll review your income, expenses, and debts and tell you honestly whether our program is the right fit for your situation.
Debt Relief vs. Your Other Options
When you're dealing with overwhelming debt, it's important to understand all of your options before making a decision. Each approach has trade-offs and what works best for one person may not be ideal for another. Here's how our debt relief program compares to the most common alternatives.
Debt Relief Program vs. Debt Management Plan
A debt management plan (DMP) is typically offered through a nonprofit credit counseling agency. With a DMP, you repay your debt in full but at a reduced interest rate. This can work well if you can afford your current payments but are struggling with high interest. However, DMPs generally require 4 to 5 years to complete and have a reported success rate of around 20%, meaning most participants don't finish the program. Our debt relief program aims to reduce the actual principal you owe, not just the interest rate, and most clients complete the program within 12 to 48 months. Learn more about debt management.
Debt Relief Program vs. Debt Consolidation Loan
A debt consolidation loan combines your debts into a single loan with one monthly payment, ideally at a lower interest rate. This can simplify your finances and save on interest. The catch is that consolidation loans typically require good credit to qualify for favorable terms and you're still repaying 100% of what you owe plus interest on the new loan. If your credit has already taken a hit or you simply can't qualify for a loan large enough to cover your balances, our program may be a better alternative. Learn more about debt consolidation.
Debt Relief Program vs. Bankruptcy
Bankruptcy is a legal process that can discharge most or all of your unsecured debts, but it comes with severe long-term consequences. A Chapter 7 bankruptcy stays on your credit report for up to 10 years, and Chapter 13 for up to 7 years. It becomes public record and can affect your ability to get housing, employment, and future credit. Our debt relief program is designed to be a middle ground that helps you avoid bankruptcy while still significantly reducing what you owe. For many of our clients, it provides meaningful relief without the lasting stigma and credit damage that bankruptcy carries. Learn more about bankruptcy.
Debt Relief Program vs. Doing Nothing
This is the option nobody talks about, but it's worth addressing. If you continue making only minimum payments on high-interest credit card debt, you could spend decades paying it off and end up paying two to three times the original balance in interest. Meanwhile, late fees, penalty APRs, and compounding interest continue to grow your balances. Taking action sooner rather than later almost always leads to better outcomes.
What to Expect: Your Program Timeline
Understanding what happens during each phase of the program can help you feel prepared and confident throughout the process. While every client's timeline varies based on the amount of debt enrolled and the monthly deposit amount, here's a general overview of what to expect.
Months 1–3: Getting Started
After your free consultation and enrollment, we'll set up your dedicated FDIC-insured savings account. This account is in your name and under your full control at all times. You'll begin making your monthly deposit into this account, which will build the funds needed to negotiate settlements with your creditors. During this time, our team reviews your accounts and begins developing a negotiation strategy for each one.
Months 4–7: First Negotiations Begin
Once enough funds have accumulated in your dedicated account, our debt specialists will begin reaching out to your creditors to negotiate. The timing of the first negotiation depends on your deposit amount and the balances on your accounts. When we receive a settlement offer, we'll present it to you for approval. You always have the final say on whether to accept a deal. If you are undergoing any financial hardship, we do our best to communicate your situation clearly to your creditors.
Months 8–48: Continued Settlements
As your program progresses, we'll continue negotiating and settling accounts one by one. Each time a settlement is reached, the funds are paid to the creditor from your dedicated account. We'll do our best to keep you informed about any savings and the terms of repayment for each resolved account, whether that's a lump sum or monthly installments. All of this is handled by us — you aren't required to do any of the heavy lifting.
Program Graduation
Once all enrolled accounts have been settled, you graduate from the program. At this point you are debt free on those accounts and can begin the next chapter of your financial journey. Many of our graduated clients use their newfound savings to start investing, build an emergency fund, or simply enjoy a better quality of life without the constant stress of unmanageable debt.
Will Debt Relief Affect My Credit?
We believe in being upfront with our clients about every aspect of the program, including the potential impact on your credit. When you enroll in a debt relief program and stop making payments directly to your creditors, your credit score will likely decrease in the short term. This is an important trade-off to understand before you enroll.
However, for many of our clients, their credit has already been affected by missed payments, high utilization rates, or collections activity before they even contact us. In these cases, the short-term credit impact of the program may be less significant than you'd expect.
As each account is successfully settled and reported as resolved, your credit can begin to recover. Settled accounts show a zero balance, which reduces your overall debt-to-income ratio and credit utilization. Many clients see meaningful improvement in their credit scores within 6 to 12 months after completing the program.
It's also worth considering the alternative. If you're only making minimum payments on high-interest credit cards, your credit utilization stays high and your balances barely decrease. Bankruptcy, while it does discharge debts, stays on your report for 7 to 10 years. For many consumers, our program represents a faster path to credit recovery than the alternatives.
Important Things to Know
Tax Implications
When a creditor agrees to forgive a portion of your debt through a settlement, the forgiven amount may be considered taxable income by the IRS. Specifically, if more than $600 is forgiven on a single account, you may receive a 1099-C form from the creditor. For example, if you owed $10,000 and we negotiated a settlement of $5,000, the remaining $5,000 in forgiven debt could be reported as income on your tax return. We recommend consulting with a tax professional to understand how this may affect your individual tax situation. In some cases, if you can demonstrate insolvency (meaning your total liabilities exceed your total assets), you may be able to exclude the forgiven amount from your taxable income.
No Guarantees
While we work hard to negotiate the best possible outcomes for every client, it's important to understand that creditors are not obligated to accept settlement offers. Not all debt accounts may qualify for our program and results vary from client to client. We cannot guarantee specific percentage reductions or exact timeframes. What we can guarantee is that we will never charge you a fee unless we deliver results.
Creditor Communication
After enrollment, your creditors may continue to contact you regarding your accounts. While we can work to communicate with them on your behalf, they are not legally required to stop contacting you directly. Some creditors may also choose to pursue legal action during the program. While this is relatively uncommon, it is a possibility you should be aware of.
Frequently Asked Questions About Our Debt Relief Program
A: Most clients complete our program within 12 to 48 months, depending on the total amount of debt enrolled and the monthly deposit amount. During your free consultation, we'll provide an estimated timeline based on your specific situation.
A: There are no upfront fees to join our program. We operate on a performance-based fee structure, which means we only charge a fee after we successfully negotiate a settlement on one of your accounts. You'll never pay us a dime until we save you money.
A: Our program can include most unsecured debts such as credit card balances, personal loans, medical bills, and certain lines of credit. We cannot include secured debts like mortgages, auto loans, or HELOCs, and we typically cannot include federal student loans.
A: While it's possible for creditors to pursue legal action during the program, it is not common. If a creditor does take legal action, we'll work with you to address the situation. Many creditors prefer to negotiate a settlement rather than pursue costly litigation.
A: Your credit score may decrease during the program, particularly if you stop making direct payments to creditors. However, as accounts are settled and reported as resolved with a zero balance, your credit can begin to recover. Many clients see improvement within 6 to 12 months after completing the program.
A: No. Our debt relief program has no credit score requirements. Most of our clients come to us because they are already struggling financially, and we evaluate your eligibility based on your overall situation rather than your credit score alone.
A: Yes. Your monthly deposits go into an FDIC-insured bank account that is opened in your name and remains under your full control at all times. We do not have direct access to withdraw funds from your account. Our fees are contingent upon us reaching a settlement on your behalf.
