Straight answers on cost, credit and timelines

No. The consultation, the budget review and the written comparison of your options are free and carry no obligation. Talking to us does not enrol you in anything.

That depends on the route. Settlement fees are a percentage of enrolled debt, charged after results. Management plans carry small state-capped fees. We charge nothing for comparing consolidation or refinance options.

No. You pay nothing to be assessed or to receive your written comparison, and settlement fees are only charged after a settlement is reached and paid toward.

Into a dedicated account held in your own name. We never hold your money, and fees are only drawn after a settlement is agreed and paid toward.

Settlement lowers it, often substantially, while accounts go delinquent. A management plan has a milder effect, and consolidation can improve your score over time by reducing utilisation. Your written comparison shows which applies to you.

Many people see meaningful recovery 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 credit file.

No. The consultation and estimate involve no credit check. Loan rate checks use soft inquiries; only a final loan application involves a hard inquiry.

It depends on the route. A consolidation loan can be completed within a week, a management plan usually takes 30 to 60 days to be accepted, and settlement typically resolves its first account between months four and ten. You get a projected timeline before you commit.

Settlement programs typically run 24 to 48 months and management plans three to five years. Consolidation and personal loans fund within days, and most refinances close in 30 to 45 days.

Yes. You can stop at any stage. We explain the consequences of stopping, such as accounts remaining delinquent, before you decide.

Most unsecured debts, including credit cards, medical bills, personal loans and store cards. Secured debts such as mortgages and car loans, and most federal student loans, follow different routes.

Settlement generally makes sense from around $7,500 of unsecured debt. Other routes, such as consolidation or a management plan, can work for smaller balances.

Program availability, fees and rules differ by state, and some programs are not offered everywhere. We confirm what is available where you live during the consultation.

Neither. We compare options and manage programs, working with licensed lenders and referring legal matters to qualified attorneys where needed.