Get answers to the most common questions about our liability forgiveness program, our process, and how we can help you achieve financial freedom.
We believe in complete transparency. Here are the answers to the questions we hear most often.
Bankruptcy stays on your credit for 7-10 years and can devastate your financial future. Our program secures creditor forgiveness of qualifying liabilities through direct negotiation, preserving your credit standing and avoiding the long-term consequences of BK. Many of our clients were considering bankruptcy before finding us and are grateful they chose our path instead.
Absolutely not. Our written, signed, and notarized guarantee ensures you will not spend one penny until we deliver results. There are no upfront fees, no monthly charges, and no escrow payments. You only pay after we have successfully negotiated and settled each individual account.
We guarantee forgiveness of up to 75% of your qualifying liabilities. The exact amount depends on your specific situation, the types of accounts, and the creditors involved. During your free 15-minute consultation, we can give you a clearer picture of what to expect for your circumstances.
Most clients see significant results within 3-6 months. Some cases resolve faster — for example, one of our CEO clients had $56,000 in liabilities eliminated in just 5 months. The timeline depends on the number of accounts, types of creditors, and the complexity of your situation.
We handle credit card balances, personal loans, medical bills, business obligations, and various other unsecured liabilities. We also help with situations involving judgments, liens, and other financial pressures. During our initial consultation, we'll review your specific accounts and determine which ones qualify for our program.
Our goal is to improve your overall financial position. While there may be short-term impacts during the negotiation process, the long-term outcome is significantly better than bankruptcy or continuing to fall behind on payments. Many clients see their credit improve after their accounts are resolved.
Very likely, yes. We work with clients across the country, and our deepest track record is in the 18 states where we've worked the longest — we've been expanding steadily over our 15+ year history. One honest caveat: states regulate debt-relief providers differently, and in a few the rules don't allow a program like ours. Tell us where you are on the call and we'll give you a straight answer either way.
The initial call takes just 15 minutes.
Simply call us at (800) 706-1210, text us at (714) 865-7141, or fill out our contact form. We'll schedule a free 15-minute consultation at a time that works for you. From there, we'll assess your situation and present a clear plan for eliminating your financial challenges.
Yes, absolutely. We've helped many clients on fixed incomes, including retirees and those receiving disability benefits. In fact, reducing your monthly payment obligations can be especially impactful when you're on a fixed income, as it immediately frees up more of your limited resources.
In 15 years we have not had a case where we took on a client and their enrolled liabilities were not eliminated. That record is possible because we are honest at the very start: during your free 15-minute consultation we tell you plainly whether your situation fits this program, and if another path would serve you better we say so rather than enrolling you anyway. It is also why we can charge nothing upfront and back the program with a written, signed and notarized guarantee — we are paid only after an account is actually settled.
Our team is ready to answer any additional questions you may have. Schedule a free 15-minute consultation and get personalized answers about your specific situation.