Q. When do you begin settling my debt?
Q. If I miss a monthly payment, will I be dropped from your program?
Q. How do I find out the progress of my debt settlement?
Q. Will I still pay my creditors directly while in the program?
Q. I have a flexible monthly income. Can I still participate in the program?
Q. Are my creditors going to continue to call me?
Q. Will my creditors call me at work?
Q. Will my creditors continue to contact me by mail?
Q. Will this program have a negative effect on my credit?
Q. Why should I use your services to settle my debts as opposed to handling it myself?
Q. Who do I call if I have a question about the program or a problem with a creditor?
Q. Do I have to include all of my creditors into the program for settlement?
Q. How long will it take for me to become debt free?
Q. How much does this program cost?
Q. What if my creditors won't settle?
Q. Will you stop late fees and interest from accruing on my accounts?

Q. When does my debt relief start?
A. Once you have fully retained our services, your creditors will be notified immediately and we will begin the settlement process. However, we can only settle a debt once the full funds are available in your settlement account.
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Q. If I miss a monthly payment, will I be dropped from your program?
A. No. Simply call our customer service department and we will arrange payment over the phone. It is understandable that circumstances may arise and we will help you get back on track with your payment schedule.
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Q. How do I find out the progress of my debt settlement?
A. You will also receive monthly reports that will keep you informed of the activity on your personal settlement account.
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Q. Will I still pay my creditors directly while in the program?
A. No. Upon enrollment, you will stop paying your creditors immediately. We will be negotiating on you behalf, so we will pay your creditors directly from your settlement account.
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Q. I have a flexible monthly income. Can I still participate in the program?
A. Yes. Our fees and payment schedule is on a client-by-client basis. We will figure an affordable and simple plan for your unique situation.
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Q. Are my creditors going to continue to call me?
A. We immediately notify your creditors and demand they stop contacting you. It usually takes about 30-60 days for them to stop contacting you. In the meantime, you will keep a creditor log of every phone call or letter that you receive from a creditor and report it to us.
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Q. Will my creditors call me at work?
A. They may attempt to contact you at work, however, once we have notified them of your enrollment in our program, the phone calls will stop altogether.
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Q. Will my creditors continue to contact me by mail?
A. Your creditors may also attempt to correspond with you by mail, however, you will then immediately contact us and report this correspondence. We will handle all of your creditors and collectors on your behalf.
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Q. Will this program have a negative effect on my credit?
A. The Debt Settlement Program may have a short-term negative effect on our credit profile. However, once negotiated and settled, your creditors will report the accounts as "settled" or "paid in full". Once you have completed the program and you are debt-free, we have affiliate companies available to help you re-establish your credit profile.
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Q. Why should I use your services to settle my debts as opposed to handling it myself?
A. Our team has extensive experience in negotiating debt and working with creditors. We have an impeccable relationship with creditors and collection agencies, who are usually unwavering in negotiating with the consumer directly. Our team has extensive knowledge in consumer debt and the Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act.
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Q. Who do I call if I have a question about the program or a problem with a creditor?
A. Upon enrollment, you will be given an account number and be assigned to an account representative who will be handling your case. You can talk directly with any account representative whenever you need to discuss a problem or concern.
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Q. Do I have to include all of my creditors into the program for settlement?
A. No. We recommend that you keep open at least one credit card. Any accounts that are included in the settlement will have to be closed immediately. Creditors won't settle accounts that are still open. You should keep one credit card open for emergency use only.
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Q. How long will it take for me to become debt free?
A. It typically takes about 18-24 months after we've negotiated the total amount of your debt down to 40%-60%. This includes all fees. However, if could be much sooner depending on your individual situation.
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Q. How much does this program cost?
A. Our Debt Settlement Program costs are based on an individual basis and are determined by one of our Compliance Officers and you. Your monthly payment will be determined by what you can comfortably afford, and is based upon your level of debt, income, and living expenses.
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Q. What if my creditors won't settle?
A. Creditors know that if they don't settle for even a fraction on the debt, they will most likely get nothing. Creditors aren't dumb and they know that at a certain point, they have to take what they can get! Most of them will settle very quickly, wouldn't you? In the rare event that a creditor won't settle with our offer, they will return with a counter offer that will be favorable to you. Creditors know that if you declare bankruptcy, then they will get absolutely nothing, and that is what they are trying to avoid.
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Q. Will you stop late fees and interest from accruing on my accounts?
A. We cannot stop a creditor from adding interest or late fees to an account. However, your individual program will reflect those fees and/or interest, and is incorporated into the Settlement Program. Because we negotiate the debt down to a fraction of what you owe, your savings are far greater than any interest or late fees that could accrue.
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