Answers to Your Most Important Questions
You’ve got questions. We’ve helped thousands just like you—so here are the facts.
Frequently Asked Questions
Question 1: Is this a loan?
No. We never offer loans. We negotiate directly with your creditors to reduce what you owe and create a structured payment plan.
Question 2: What kinds of debt qualify?
We help with credit cards, medical bills, payday loans, personal loans, and other unsecured debt.
Question 3: Will my credit be affected?
There may be a temporary dip, but resolving your debt usually leads to long-term credit improvement.
Question 4: Do I have to pay anything upfront?
No. You only pay a fee after we successfully negotiate and settle your debts.
Question 5: Is this the same as bankruptcy?
No. Our program is an out-of-court, non-bankruptcy alternative designed to avoid long-term credit damage.