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The company’s process is as follows: Clients can first request for a free consultation through its website, on the phone, or via e-mail. The company’s debt analysts would review the prospective client’s current financial situation, explore their objectives, and create a customized remedy suited to their financial needs and goals. Should clients not fit its programs, they would be referred to its debt settlement affiliates.

The debt analysts will propose a savings plan suitable for a client’s personal situation. In many cases, the monthly savings plan may be significantly less than the minimum payments currently made to debtors. The average plan length is between 24 to 48 months depending on total debt and debt types.

Upon the finalization of the terms of the plan, the debt analyst would provide the client with an overview of the pertinent enrollment documents needing signature. These would include various documents like disclosures, a debtor list, and an ACH agreement so savings can be drafted into the trust account. The client would be assigned their own settlement advisor, who would handle the minutiae of the settlement. The advisor would update the client every month.

When the savings have reached a sizable amount (the time of which varies), the company would then reach out and negotiate to creditors and lenders on the clients’ behalf. The client will be informed of the proposal, and would need to respond to it in a timely manner. The company collects fees only after the first payment to the creditors is disbursed. This stage will repeat until all the debts have been settled.