Get answers to the most common questions about our debt restructuring program, our process, and how we can help you achieve financial freedom.
We believe in complete transparency. Here are the answers to the questions we hear most often.
Bankruptcy stays on your credit for 7-10 years and can devastate your financial future. Our program eliminates debt through direct negotiation with creditors, preserving your credit standing and avoiding the long-term consequences of BK. Many of our clients were considering bankruptcy before finding us and are grateful they chose our path instead.
Absolutely not. Our written, signed, and notarized guarantee ensures you will not spend one penny until we deliver results. There are no upfront fees, no monthly charges, and no escrow payments. You only pay after we have successfully negotiated and settled each individual account.
We can typically eliminate up to 75% of your qualifying debt. The exact amount depends on your specific situation, types of debt, and creditors involved. During your free 15-minute consultation, we can give you a clearer picture of what to expect for your circumstances.
Most clients see significant results within 3-6 months. Some cases resolve faster — for example, one of our CEO clients had $56,000 in debt eliminated in just 5 months. The timeline depends on the number of accounts, types of creditors, and the complexity of your situation.
We handle credit card debt, personal loans, medical debt, business debt, and various other unsecured debts. We also help with situations involving judgments, liens, and other financial pressures. During our initial consultation, we'll review your specific debts and determine which ones qualify for our program.
Our goal is to improve your overall financial position. While there may be short-term impacts during the negotiation process, the long-term outcome is significantly better than bankruptcy or continuing to fall behind on payments. Many clients see their credit improve after their debts are resolved.
We currently serve clients across 18 states: Arizona, California, Colorado, Florida, Georgia, Iowa, Kentucky, Minnesota, North Carolina, Nevada, New York, Ohio, Oregon, Tennessee, Texas, Virginia, Washington, and Wisconsin. We've been expanding our reach over our 14+ year history.
The initial call takes just 15 minutes. We'll discuss your current financial situation, review the types and amounts of debt you're dealing with, and explain exactly how our program can help. There's absolutely no obligation — it's simply a conversation to see if we're a good fit for your needs.
Simply call us at (800) 706-1210, text us at (714) 865-7141, or fill out our contact form. We'll schedule a free 15-minute consultation at a time that works for you. From there, we'll assess your situation and present a clear plan for eliminating your debt.
Yes, absolutely. We've helped many clients on fixed incomes, including retirees and those receiving disability benefits. In fact, reducing your monthly debt payments can be especially impactful when you're on a fixed income, as it immediately frees up more of your limited resources.
Our team is ready to answer any additional questions you may have. Schedule a free 15-minute consultation and get personalized answers about your specific situation.