Find answers to the most common questions about debt defense, debt relief, and our debt resolution program.
Our debt resolution program is designed to help you reduce your unsecured debt through strategic negotiation with your creditors. You make monthly deposits into a dedicated FDIC-insured account that you control. Once there's enough in your account, our legal team begins negotiating with your creditors to settle your debts for far less than the full amount you owe. When we reach a settlement, you review and approve it before anything moves forward.
The typical program lasts between 12 to 48 months, depending on your total debt amount, the number of creditors, and your monthly contribution. Our attorneys create a structured plan tailored for affordability, consistency, and long-term financial stability for every client.
We handle unsecured debt including credit cards, medical bills, personal loans, and payday loans. We do not handle secured debt like mortgages or auto loans.
No. You do not pay us unless we succeed. Our program is designed to be stress-free with zero up-front fees. You only pay as your debt is successfully resolved.
Debt settlement is not guaranteed. Outcomes depend on your financial situation, creditor participation, and other relevant factors. However, we leverage our established relationships with major creditors—including Visa, Mastercard, American Express, and payday loan providers—to pursue the best possible outcomes for our clients.
Call (208) 742 6123
