Frequently Asked Questions

Q: What types of debt can I include in the program?

A: Unsecured debts such as credit cards, personal loans, hospital bills, department store credit cards, old telephone bills, gas cards, and repossessions can all be included.

Q: Can I apply for additional credit while I am on the program?

A: Yes. It would be best though if you did not. Remember the reason you are joining is to get out of debt. Applying for additional credit will only create more debt for you to pay off.

Q: Will I have to qualify?

A: There is no Qualification or Approval Process. Based on past results we are confident that in order for a consumer to benefit from debt settlement they must have over $7,500 of unsecured debt (credit cards, personal loans, etc.), be 18 years or older, and have an ability to make an affordable repayment.

Q: Are my creditors going to continue to call me?

A: In most cases yes because they have a legal right to attempt to collect. However there are strict guidelines on how they can go about contacting you. These can be found at http://www.ftc.gov/os/statutes/fdcpa/commentary.shtm#806. We are on your side and will help you deal with the creditors by providing some helpful tools. Plus you may always refer them to us and we will gladly speak with them about your savings plan.

Q: Will this program have a negative effect on my credit?

A:The Debt Settlement Process is likely to have a short-term negative effect on your credit profile. However, any short term negative effects will be offset by the long term positives. Once negotiated and settled, your creditors will report the accounts as "settled" "balance 0" or “less than agreed.”

Q: How long will it take for me to become debt free?

A:It typically takes about 18-48 months to complete most settlement plans. However, it could be much sooner depending on your individual situation.

Q: What does this program cost me?

A: Our Debt Settlement Process costs are based upon the amount of service required therefore it will be determined and explained clearly during your consultation. All contracts will disclose all fees along with an amortization schedule of your savings plan, please read carefully prior to engaging our service.

Q: What if I'm behind or not paying my bills, can I still apply?

A: YES! The debt settlement process is best suited for those individuals behind on their bills, those people that have suffered a type of hardship and cannot afford to keep their accounts current.