FaQ

Depending on your individual circumstances and whether you have missed payments to your creditors, participating in debt settlement programs may negatively impact your credit score. As we exclusively provide services regulated separately, we do not offer credit repair services or advice on improving your credit.

We do not charge any fees until you approve the settlement agreement and your debts are successfully settled. There are no sign-up fees, no cancellation fees, and no obligations – you retain control throughout the process. After settling your debts, the average client typically pays a fee ranging from 15-25% of the total enrolled debt as part of their monthly payment. If we are unable to settle your accounts, there is no payment required. It’s that straightforward.

Debt settlement involves the reduction of your outstanding balance. Through negotiation, you pay less than the total owed, and the creditor forgives the remaining balance in a process known as settlement. On the other hand, debt consolidation combines all of your debts into a single loan, resulting in a lone monthly payment, often at a reduced interest rate. Approval for debt consolidation usually requires a higher credit score.

A friendly and dedicated debt expert will inform you about all your options and discuss the advantages and disadvantages of each. This information will assist you in deciding what’s best for you.