Before enrollment: the evaluation
You start with a free call. We review your debts, income, monthly obligations, and goals. If settlement makes sense, we build a sample plan: how much you’d deposit each month, the projected timeline, and an estimated total cost. You take the materials home and decide.
Month 1: enrollment and account setup
You sign the program agreement and open a dedicated FDIC-insured savings account in your name (we don’t hold your money). Your first monthly deposit is scheduled. We send a letter of representation to each enrolled creditor.
Months 1–3: the noisy stretch
Creditor calls don’t stop overnight. You may still hear from them while accounts are going delinquent. We provide scripts and coach you through it. Some creditors back off quickly once they receive our letter; others keep trying for 60–90 days. By month three, the calls typically slow to a trickle.
Months 3–6: first settlements
Once your dedicated account has enough to make a meaningful lump-sum offer, our negotiators start reaching out to your most settlement-friendly creditors first. You’ll review and approve any settlement offer in writing before we move money. The first settlement is a milestone — it’s when the program starts visibly working.
Months 6–18: steady progress
Settlements continue at a rhythm that depends on how quickly your account grows and how many creditors you enrolled. Some months are quiet; others bring two or three settlements at once. We send you a monthly update on balances, completed settlements, and remaining accounts.
Months 12–24: handling pushback
Not every creditor settles smoothly. A small percentage will sell debt to a collection agency, refuse our first few offers, or threaten legal action. This is normal and expected. We continue negotiating with the new debt owner, adjust offer timing, and — if a lawsuit is filed — connect you with attorneys who specialize in defending consumer debt cases.
Months 24–36: closing the last accounts
The final settlements often take the longest. Some creditors hold out for higher percentages, and we wait until your account has the funds to make those offers. We also make sure each settled account is reported correctly to the credit bureaus.
Graduation
When the last enrolled account is resolved, you graduate from the program. We send a final summary showing original balances, total paid, total saved, and a list of every settlement. From here, you focus on rebuilding — and you do it with no enrolled debt left.
What you’ll do throughout
- Make your monthly deposit on time
- Forward any creditor letters or court papers you receive
- Review and sign settlement offers as they come in
- Check in with your specialist when life changes (income drops, new debt, big expenses)
What we’ll do throughout
- Handle creditor communication and negotiation
- Track every account and report progress monthly
- Send you settlement offers for written approval
- Pay each settled account from your dedicated funds
- Confirm correct credit reporting after each settlement