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When will you contact/settle with my creditors?

That depends on many factors. Once your first draft cleared, we assign negotiators to your account, and they will assess your portfolio to determine a plan of action to tackle your outstanding balances. Our goal is to get you out of this debt ASAP and on your way to financial freedom. We will keep you […]

I cannot afford my draft. Can I lower the payments?

We have options for you if you are no longer able to afford the monthly payment we budgeted for you. You have the ability to skip one monthly deposit per 12 months, or we can revisit your hardship and budget to see if anything has changed and we can make recommendations based on new findings. […]

Does a person’s debt go away when they die?

No, when someone dies owing a debt, the debt does not go away. Generally, the deceased person’s estate is responsible for paying any unpaid debts. When a person dies, their assets pass to their estate. If there is no money or property left, then the debt generally will not be paid. This will vary depending […]

Why is my program longer than my estimated time?

We worked with you to establish an estimated program length based on the best information available to us at the time. There are many factors that impact whether a client’s program is shorter or longer than we project at enrollment, such as the creditors willingness to settle your current escrow balance, and your drafting history. […]

Why did I get a summons? Do I need to go to court?

A summons is just another form of collection and that does not deter us from helping you achieve your goal. Now that you got served a summons that does not mean we cannot negotiate a successful resolution on it. Although your creditors have the legal right to sue you for non-payment, lawsuits are the exception […]

How do I find free money?

You can find out if someone owes you money for free at www.missingmoney.com. Missingmoney.com is a database of governmental unclaimed property records. You might find money from things like: Bank accounts and safe deposit boxes CDs and trust funds Stocks, mutual funds and dividends Uncashed checks and wages Utility deposits Escrow accounts This site will […]