Frequently Asked Questions
Q: How does this affect my credit score?
Debt negotiation may cause short-term credit score impacts. Many clients see their scores recover over time as debts are resolved.
Q: How long does the program take?
Most clients complete their program in 24–48 months depending on debt levels and payments.
Q: Do I still get creditor calls?
While we negotiate with creditors, some calls may continue. Our team helps guide you through how to handle them.
Q: What debts qualify?
Unsecured debts like credit cards, medical bills, personal loans, and some business debts may qualify.
Q: What does it cost?
We only earn a fee after we successfully reduce your debt. There are no upfront enrollment fees.