Frequently Asked Questions

Q: Is the debt relief program a loan, or a debt consolidation loan?
Q: Can I keep one or more of my credit cards to use in emergencies?
Q: Will I be debt free when I complete the debt relief program?
Q: Will I have to pay service fees when I begin the program?
Q: How will participating in a debt relief program affect my credit score and my credit report?
Q: Will interest and late fees keep accruing on my accounts after I sign up for a debt relief program?
Q: Can I negotiate with my creditors or debt collectors on my own?
Q: Can debt relief programs help me settle my debts for a lower amount than what I owe?
Q: I’ve heard that debts can be settled for pennies on the dollar through negotiation. Is this true?
Q: Will those annoying debt collection phone calls cease when I enter a debt relief program?
Q: How effective is debt settlement?
Q: Is debt settlement a better choice than bankruptcy?
Q: Can debt relief programs help me if a creditor is suing or threatening to sue me?
Q: Will my creditors sue me or garnish my wages if I don’t pay?
Q: How can I learn if debt settlement will help me?
Q: Is debt settlement available in every state?
Q: What is debt settlement and how does it work?