Our program is designed to support individuals dealing with unsecured debts, including credit cards, medical bills, personal loans, lines of credit, and certain payday loans. Secured debts such as mortgages or auto loans are not eligible.

We require a minimum of $10,000 in debt for you to qualify. Higher debt balances may improve negotiation outcomes. In special cases, you may still qualify with less. Eligibility also depends on your income, expenses, and the types of creditors you have.

You only pay after a debt is successfully settled. Fees usually range between 15% to 25% of your enrolled debt or the amount saved, depending on your state. There are no upfront fees.

In the short term, yes, your credit score may drop as enrolled accounts go unpaid during negotiations. However, many clients see improvement over time as debts are resolved and collections stop.

Most people complete the program within 1 to 2 years, depending on how much debt is enrolled and how much they're able to set aside each month. Some clients may finish sooner.

Possibly. While enrolled, some creditors may still contact you or attempt to collect. However, once a debt is settled, collection activity on that account stops. If you’re ever threatened with legal action, we recommend speaking to an attorney.

You may be able to reduce your total unsecured debt by 30% to 70%, based on your creditors and financial situation. Settling for 50% of what you owe is common, though some situations result in higher or lower outcomes. These figures are estimates, not guarantees, and do not include program fees.

No. While most major creditors regularly work with debt relief companies, no settlement is guaranteed. Results vary based on your financial situation, who you owe, and your ability to follow the program.

Only unsecured debts qualify—such as credit cards, personal loans, and medical bills. Secured debts like car loans or mortgages are not eligible.