Program Disclosures

We want every client to clearly understand how our program works before enrolling. Below are important disclosures about costs, timelines, risks, and conditions of our debt settlement services.

How long does the program take?

Most clients receive their first settlement within the first 3 months, depending on how quickly they save funds. The full program typically takes 12–48 months to complete, depending on your financial situation, how much debt you enroll, and your ability to maintain savings.

How much do I need to save before settlements can begin?

Clients must generally save about 25% of their enrolled debt before we can begin negotiating settlements with creditors. This amount varies by client and by creditor.

What are the fees?

Our program fees are typically 25% of enrolled debt, though exact fees may vary depending on state law. These fees are only earned after a settlement is reached and approved by you. If no settlement is reached, you pay no fees.

What happens to the money I save?

Clients deposit funds into a dedicated account they own and control.

You may withdraw funds at any time without penalty.

If you leave the program before any settlement is reached and approved, all funds in your account will be refunded in full.

If you have already approved a settlement, any fees earned on that settlement will not be refunded, but all unused funds in your account will be returned to you.

What are the risks of debt settlement?

Credit impact: Participation in debt settlement will likely negatively affect your creditworthiness.

Collections & lawsuits: Creditors may continue collection efforts, and you may be sued for unpaid debts.

Balance increases: Your debt may increase due to interest and late fees while you are not making regular payments.

Not all clients succeed: Not all debts are eligible, and not all clients complete the program.

What services do we provide (and not provide)?

We negotiate directly with your creditors to reduce your debt through settlements.

We do not assume or take over your debt, make monthly payments to creditors, provide credit repair, or give tax/legal advice. For tax guidance, consult a tax professional. For bankruptcy information, consult a licensed bankruptcy attorney.

Is the program available in all states?

No. Our services are not available in all states. In certain states, we may affiliate with licensed law firms to provide debt settlement services in compliance with state requirements. Availability and terms vary by state — please contact us to confirm options in your area.

Our Commitment

We are committed to helping clients find relief from overwhelming debt in a way that is transparent, fair, and compliant with state and federal regulations. Please read and understand all program materials before enrolling.