How It Works 2020-01-20T06:55:12+00:00


Our Debt Consultants will work with you to see if our program may be right for you, and we will create a program tailored to your situation.


We will then set an appointment with one of our Nationwide Field Representatives to personally come meet you at a location of your choice so that they can review all paperwork with you, answer questions, and have you sign your enrollment package. For most states, we enroll our clients after a face to face meeting.


One you have enrolled and at your option, you may setup a special purpose saving account with an independent third party financial institution. Generally, we suggest using Global Client Solutions, LLC (GCS), but the ultimate choice remains with the client. The funds that accrue in this account will include those to pay our enrollment fees and eventually savings used to negotiate and pay off the settlements.


For funds to build up in your dedicated program account, we will ask you to agree to an automatic draft of an agreed-upon monthly program payment from a regular bank account. If at any time you are able to put extra funds into the account, you may be able to achieve settlements sooner. There’s no penalty for saving more than the monthly scheduled amount.


Once you have enough funds in your account, we will approach the first creditor with a settlement offer,normally around 30-40% of what is owed. Once settlement is negotiated and you agree to it, you may transfer funds directly from your dedicated saving account to pay the settlement.

This process is repeated as we work to settle each of your debts!


Successful Applications


Client Satisfaction Level



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