How it works

Depending on your personal situation and whether you have already missed payments to your creditors, debt settlement programs may have a negative impact on your credit score. Due to it being a separately regulated service, we do not provide credit repair services or offer advice on ways to improve your credit.

We charge no fees until you approve the settlement agreement and your debts are settled. There are no sign-up fees, no cancellation fees, and there’s absolutely no obligation – you’re in control. Once debts are settled, the average client usually pays a fee of 15-25% of the total debt enrolled as part of their monthly payment. And if we can’t settle your accounts, you don’t pay us. It’s that simple.

A friendly, dedicated debt expert will let you know all your options and the advantages / disadvantages of each – which will help you decide what’s best for you.

Debt settlement reduces your balance. Your debt is negotiated down, and you pay less than you owe. The creditor forgives the remaining balance in a transaction called a settlement. Debt consolidation combines all of your debt into one loan with a single monthly payment, often at a reduced rate of interest. This typically requires a higher credit score for approval.