Your debt schedule, documented before you commit.
We work directly with your creditors on unsecured debt — credit cards, personal loans, medical bills. Every engagement begins with a written debt schedule, not a verbal estimate.
Direct negotiation with each creditor.
Our licensed negotiators contact your creditors directly, working account by account. The process targets settlement amounts and payment terms that reflect your actual repayment capacity — not an approximation.
Our fee applies only when a creditor accepts a reduced balance in writing. Nothing is charged at enrollment.
Restructured plans with documented timelines.
When outright settlement isn't achievable, we restructure payment schedules with creditors. Every plan specifies exact monthly amounts, a defined end date, and the conditions under which the plan holds.
Restructuring and financial counseling are delivered as one engagement. There are no separate upsells or add-on modules.
See your debt numbers before you decide.
The first consultation maps your current accounts against realistic settlement ranges and timelines. No commitment required to see the analysis.