The time needed to produce a settlement of a given debt depends on several factors. These include your financial hardship, the age and balance of the accounts you owe, the funds you have available to pay to your creditors and ultimately the willingness of your creditors to enter negotiations. Please be advised that we are […]
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 […]
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. […]
The performance fee is based on the total amount of debt enrolled in the program, and is already included in your current monthly payment. Now remember, we don’t collect any fees until we settle an account for you, so all of your deposits are building up so we can start settling accounts as quickly as […]
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 […]
Are you listed on any other the client’s enrolled accounts? If you are a co-signer or joint account holder, we would still like to continue to resolve the outstanding balance(s) and negotiate a settlement offer for you.
We were able to negotiate a great settlement for this account, but you did not have enough money in your account to satisfy the settlement in a lump sum, therefore, we are making monthly payment arrangements to them to satisfy the settlement amount. This could also benefit you in the way that we can begin […]
In many cases, a creditor agrees to a settlement that is paid over time through a series of installments. While the settlement has been successfully negotiated and accepted, the debt is not considered fully satisfied until all agreed-upon payments have been made to the creditor. As a result, you may continue to see scheduled drafts […]
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. […]
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 […]
