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Frequently Asked Questions?

Debt resolution, or debt settlement, is a process designed to help you negotiate with creditors to settle debts for less than what is owed, potentially reducing your overall debt burden.

After enrolling, you'll contribute to a dedicated account. Once sufficient funds are saved, our negotiators, including legal representation if qualified, work with creditors to settle your debts for a reduced amount.

Individuals facing significant unsecured debt, who wish to avoid bankruptcy and can commit to a structured saving plan, may find debt resolution an effective option.

Initially, your credit score may dip due to halted payments during negotiations. Successfully settling debts, however, sets a foundation for rebuilding your credit.

While we strive for successful negotiations, settlement isn't guaranteed for every debt. Our seasoned team works diligently to achieve favorable outcomes.

Debt consolidation involves taking out a new loan to pay off multiple debts, ideally with a lower interest rate, simplifying your payments into one monthly installment

Consolidating your debts can initially impact your credit score due to the new loan application. Over time, consistent payments can improve your credit score.

Individuals typically file for Chapter 7 or Chapter 13 bankruptcy. Chapter 7 discharges most debts, while Chapter 13 involves a repayment plan.