From first contact to final payoff
Four stages, and you can stop at any of them. Nothing is charged and nothing is enrolled until you have seen every option in writing and picked one.
Free, unpressured consultation
One conversation, roughly forty minutes. We look at every balance, your income and what is actually left at the end of the month. Nothing is enrolled and nothing is charged. If your situation does not need us, that is a perfectly good outcome and we will tell you.
A written comparison of your options
You receive every realistic route laid out side by side — settlement, consolidation, a management plan, refinancing, or doing nothing differently — with cost, duration, credit impact and risk for each. Including the routes we earn nothing from.
You choose, we build the plan
Once you pick a direction, the plan is built around your real budget rather than an optimistic one. You see the monthly figure, the projected end date and the fee structure in writing before anything begins.
We execute and keep you informed
Negotiations, filings and disbursements are handled for you. Every offer comes back for your written approval. You always know which stage each account is at, and a real person replies when you get in touch.
What to have to hand
None of this is mandatory — we can work from rough figures — but the more accurate your numbers, the more accurate the comparison we send back.
- A recent statement for each debt, or just the balance and rate
- Your monthly take-home income
- Rough monthly essentials: housing, utilities, food, transport
- Any letters from collectors, courts or the IRS
- Your state of residence — it changes what is available
What the timeline looks like
| Consultation | ~40 minutes |
| Written comparison | 1 business day |
| Plan built and agreed | 2–5 days |
| Creditor acceptance (plans) | 30–60 days |
| First settlement (settlement) | Month 4–10 |
| Program completion | 24–60 months |
What people ask at this stage
Nothing. The consultation, the budget review and the written comparison of your options are all free and carry no obligation. You are not enrolled in anything by having the conversation.
That depends on the route. Consolidation can complete within a week. A management plan takes 30 to 60 days for creditor acceptance. Settlement usually produces its first resolved account between month four and month ten. We give you a projected timeline before you commit, not after.
Settlement will lower it, often substantially, because enrolled accounts go delinquent while your fund builds. A management plan has a milder effect. Consolidation may improve your score over time by reducing utilization. Which of those applies to you is part of the written comparison.
Most people see meaningful recovery beginning within twelve to twenty-four months of accounts being resolved, provided new credit is handled well. Recovery is gradual and depends on the rest of your file, so anyone quoting you a specific score by a specific date is guessing.
Step one takes about forty minutes
Tell us roughly what you owe. We come back with every realistic route out, what each costs, how long it takes and what it does to your credit — in writing, with no obligation.
You cannot out-earn compound interest. You can outmanoeuvre it.
One free conversation tells you which route is genuinely cheapest for your situation — including the routes we earn nothing from.