Financial FAQs

A: Yes, your credit may decline temporarily. That's because your account will become delinquent as part of the program strategy. However, our goal is long term relief, not short-term scores-and we help clients rebuild their credit at the end of the process.

A: No. We don't combine your debt into a new loan. We advocate for you by working  with your creditors to get the debt written off or resolved through hardship-based programs.

A: Yes, especially during the first few months. But we send case & desist and hardship letters on your behalf, and if a collector crosses the line, we respond directly and guide you through it.

A: Absolutely. You have the legal right to stop paying non-essential, unsecured debts- especially if you're on a fixed income and can demonstrate financial hardship. Our strategies are based on consumer rights and the law.

A: Lawsuit are rare but possible. We explain the risks and will guide you if it happens. That said, many creditors prefer to write off debts that are uncollectible due to hardship, especially for older clients.