Disclaimer and Fees – We do not charge any upfront fees and you will not be charged any fee until you approve the debt consolidation, debt management, or debt settlement plan. Each debt situation and program is unique so fees and costs will vary. For debt consolidation programs, there is a one-time enrollment fee of $49.00 for account establishment and for debt relief proposals submitted on your behalf to each of your creditors. Monthly program administration fees will vary from $5.00 to $50.00 depending on the number of creditors who agree to accept proposals and become enrolled in the program. For debt settlement programs, you will not be charged any fee until a debt settlement is arranged on your behalf, you approve the settlement, and at least one payment is made towards the settlement. Consumers who make all their monthly payments may pay approximately 50% of their enrolled balance before fees, or approximately 68%-75% including fees, over 24-48 months.
About Debt Consolidation – Debt consolidation programs or debt management plans (DMPs) may help to resolve debts by combining multiple high interest debts into a single, more affordable consolidated payment each month. DMPs are coordinated by debt counselors who, with your approval, may contact creditors on your behalf requesting lower interest rates as well as adjustments in late fees, penalties, and repayment terms. Creditors who accept proposals are then added to the debt consolidation program. Consumers who enroll in a debt consolidation program are enrolling at their own risk and results are not guaranteed. In order to complete a debt consolidation program successfully, it is the consumer's responsibility to have sufficient funds set aside each month for a single debt consolidation payment that will then be distributed to each creditor enrolled in the program. Consumers who fail to adhere to the terms of debt consolidation programs will forfeit the benefits of debt relief and revert to the terms of their original creditor agreements.
The use of debt relief services will likely adversely affect your credit worthiness, may result in you being subject to collections, being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. We do not guarantee that your debts will be resolved for a specific amount or percentage, or within a specific period of time. Not all clients are able to complete debt relief programs for various reasons, including their ability to save sufficient funds. Read and understand all program materials prior to enrollment. Please contact a debt relief specialist for a debt relief analysis, savings estimate, and complete program details. Your debt relief analysis and savings estimate is free, will not affect your credit, and you are under no obligation to enroll in, or purchase, any product or service.
19350 Business Ctr Drive | Northridge, CA 91324