Debt relief helps reduce the amount you owe through negotiation, settlement, or restructuring, making repayment more manageable.

Yes, it can temporarily lower your score. However, many people see long-term improvement after resolving their debt.

Yes. Debt settlement involves negotiating with creditors to pay a reduced lump sum as full payment.

It typically takes 24–48 months, depending on your total debt and how much you can save each month.

Yes, initially. However, once settlements begin, calls usually decrease significantly.

Yes. Most programs require you to stop using and eventually close your enrolled credit cards.

It depends on your situation. Debt relief avoids the long-term impact of bankruptcy but may not be right for everyone.

Unsecured debts like credit cards, medical bills, and personal loans. Secured debts like mortgages and car loans aren’t eligible.

Legitimate programs do not charge upfront fees. Fees are only paid after a debt is successfully settled.

Possibly. Forgiven debt over $600 may be reported as taxable income by the IRS.

Yes, it’s possible. While rare, creditors can still pursue legal action during the process, though many prefer to settle.

Not all creditors will settle, but many do. We’ll explore all options to get you the best outcome.

Yes, you’re free to leave the program at any time with no penalties. You remain in control of your funds.

Most programs require a modest monthly deposit into your dedicated account—there’s no large upfront payment.