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From first call to final settlement
Here's what the program looks like month by month, what we do, and what you'll be asked to do.
Free debt review
A 30-minute call with a certified debt specialist. We go through each account, your monthly budget and your goals.
Enroll and open your dedicated account
If the program fits, you sign up and open a dedicated account in your name. You set a monthly deposit amount that fits your budget.
Funds build up
Your deposits accumulate. Creditors may contact you during this period; your advocate will tell you how to respond.
Negotiations and settlements
As funds allow, our negotiators approach each creditor. When an offer is reached, you review and approve it before anything is paid.
Graduate debt-free from enrolled accounts
The last enrolled account is resolved. We send a completion summary and a plan for rebuilding credit.
Compare your options honestly
Debt settlement isn't the only route. Here's how the main options compare in general terms.
| Minimum payments | Consolidation loan | Credit counseling plan | Freeline program | |
|---|---|---|---|---|
| Typical timeline | 10–25+ years | 3–5 years | 3–5 years | 2–4 years |
| Reduces principal? | No | No | No | Possibly, via settlement |
| Needs good credit? | No | Usually | No | No |
| Credit impact | Neutral if on time | Can be positive | Mild | Often negative at first |
| Best for | Small balances | Good credit, steady income | Want to pay in full | $7,500+ in hardship |
General comparison for education only. Your best option depends on your situation.
Who the program is a good fit for
- $7,500 or more in unsecured debt
- A real hardship — job change, medical bills, divorce, reduced income
- Able to set aside a consistent monthly amount
- Want to avoid bankruptcy if possible
Program questions
It can, especially at the start. Settlement usually means accounts fall behind before they're resolved. Many clients see their scores recover after the program as balances drop, but every situation is different. We'll walk you through the trade-offs honestly.
Unsecured debts like credit cards, personal loans, medical bills and some private student loans. Mortgages, auto loans, federal student loans and tax debt generally don't qualify.
No. Our fee is charged only after a debt has been settled and you've approved the settlement and made at least one payment toward it.
Then we'll say so. For some people a consolidation loan, a nonprofit credit-counseling plan or simply a better payoff strategy makes more sense, and we'll point you there.
It can be. The IRS may treat forgiven amounts as income. We recommend speaking with a tax professional about your situation.
One phone call. A clear picture of your options.
Free, no-obligation debt review with a certified debt specialist. Checking your options won't affect your credit score.