Everyone's situation is different. Our customer care representatives are trained to listen to your particular problem, and then offer you a well planned solution. Your current level of unsecured debt will be reviewed verbally on the telephone. We will then verbally review your income and monthly expenses. Upon careful consideration of your unique situation, we will advise you of your options. Is Debt Management best for me? Is Debt Settlement best for me? Is Bankruptcy an option? What is the difference between all of them? We will answer all of these questions.

We believe you are the expert of your personal situation. We are the experts of debt management and debt settlement. Together, we will work as a team to come to a conclusion of what is best for you.

Once determining what you can afford, we will calculate an affordable monthly payment. Based upon what you are able to pay each month, we can determine how many months you will be in our program, and ultimately settle your debt. We will mail or email you everything in writing and review it with you line by line. This can all be accomplished on the first telephone call.