A clear path from overwhelmed to debt-free.
No gimmicks. No surprise fees. Just experienced negotiators working between you and your creditors — and an account you control every step of the way.
- 1Day 1
Free evaluation
We review your debts, income, and goals in a 15-minute call. No pressure, no obligation. If settlement isn’t right for you, we’ll tell you.
- 2Month 1+
Build your dedicated savings account
Instead of paying creditors directly, you deposit an affordable monthly amount into an FDIC-insured account held in your name.
- 3Month 3–24
We negotiate with each creditor
As funds accumulate, our negotiators contact your creditors to settle each account for less than the full balance — often 40–60% less.
- 4Ongoing
You approve every settlement
Nothing is finalized without your sign-off. Once approved, we use your saved funds to pay the agreed amount and close the account.
- 524–48 months
Debt-free
When the last account closes, you graduate from the program. We provide a final summary so you can rebuild with confidence.
Upfront fees. Federal law prohibits us from charging until a debt is settled.
Control the savings account. We never touch your money without approval.
Of settlements are reviewed and signed off by you before they’re finalized.
Everything you need to know about our process.
Still unsure? Talk to a certified specialist — no pressure, no obligation.
The program will get you out of debt for less than you owe and help to keep debt collectors and creditors from harassing you during the settlement process.
See if debt settlement is right for you.
A no-pressure conversation with a certified debt specialist. Free, confidential, and won’t affect your credit score.