Step 1:  Get your free quote by filling out the free quote form, or call us at 1-800-913-0121 for an immediate consultation.  Your counselor will assess your financial circumstances and determine the best program for you in negotiating your debt.

Step 2:  Once approved for our program, your Certified Financial Counselor will help you collect the information and documentation we need in order to assist you.  Your consultant will help you determine an affordable monthly payment, which, after fees, will be put into a trust account, to be set aside for debt settlement purposes. You will continue to make these monthly payments until we are able to settle with one of your creditors. After settling with a creditor, you will continue to make monthly payments until each creditor is satisfied.

Step 3:  You will be assigned to a Certified Debt Negotiator who will assist you in ending creditor harassment and to settle your debts for a lesser amount than you currently owe.  Our Negotiators typically reduce your debt up to 50% of the amount you currently owe!

Step 4:  Once our Negotiators receive an acceptable, written settlement offer from your creditor, we will then send funds from our trust account to pay off your creditor.  You will then receive written confirmation from your creditor, documenting that your debt has been paid in full.  We will repeat this process until all of your creditors have been paid.