We'll provide a free analysis of your financial situation and review a solution to get you out of debt. This includes budgeting, an income and expense evaluation and other ways we might be able to help you achieve your financial goals.

Once you’re approved, we open an FDIC insured bank in your name and under your control. This account is dedicated to paying down your debt and is where your monthly draft gets deposited into each month.

We'll reach out to your creditors when the time is right (this process could take anywhere from 4-7 months or longer) and begin negotiating. If you are undergoing any financial hardship, we try our best to clearly explain your situation to the creditors (although not all information is always shared). All the while, funds will be accruing in your dedicated account. Once we've accrued enough funds to make a settlement, our debt specialists will begin the process of settling your accounts for less. As each account gets resolved we will do our best to reach out to you and inform you about any savings and the terms of repayment. After that the only thing left to do is setup payments with creditors, whether that be in a lump sum or in monthly installments. This is all handled by us! You aren't required to do any of the heavy lifting but we will do our best to keep you reasonably informed about your program progress.

Financial freedom is a goal many aspire to achieve and we hope to be that stepping stool for you to get there. Once you become debt free you can begin the next chapter of your financial journey and your debt free life. Clients that graduate our program end up using their savings for good. Many start investing in their future with the extra savings and start looking towards improving their overall quality of life and well-being. You belong on a beach, not worrying about high interest minimum payments and stressing about debt.