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Will all my enrolled debt be gone after completing this program?
We will do everything we can to help you resolve all of your enrolled debts. But ultimately, the decision to pay off debt is your own. We'll help you negotiate lower balances and set up an easy-to-use savings program for you.
What if I don't make my monthly program payments?
It's your decision to make the monthly program payments and to stick with the program until you fully resolve all your enrolled debts. Keeping up with your program payments is essential to paying off your debt.
Should I put all of my credit cards in the program?
We have more negotiation power if you enroll all of your high balance (greater than $500) unsecured accounts such as credit cards. If, however, you have one credit card with a low balance, you may want to pay it in full so that you can hold onto it for emergencies.
Who controls the dedicated account where I am saving funds for creditors?
You do. The dedicated account is set up specifically for your program and the money in the account is your money.
Do you begin negotiation with my creditors right away?
Depending on the creditor, we may contact them right away to let them know that we are authorized to negotiate on your behalf and to contact us directly. After you have begun making your monthly programs payments into a dedicated account and have amassed a sufficient balance (usually around 25% to 35% of the total current balance on any particular debt), we'll begin to make reasonable offers to your creditors. Creditors will generally not negotiate before sufficient funds have been saved.