Case review
An attorney or supervised member of our negotiation team reviews your debts, income, and goals to determine whether negotiation is a realistic fit — and says so honestly if it isn't.
Engagement & plan
If you retain our firm, we set a monthly deposit amount built around your budget. Funds accumulate in a dedicated account in your name while we prepare to negotiate.
Negotiation, creditor by creditor
We contact each enrolled creditor, assert your rights, and negotiate toward a reduced settlement. You review and approve every proposed settlement before funds are released.
If litigation starts
If a creditor files suit during negotiation, our attorneys can step in and appear on your behalf — something a non-attorney settlement company is not able to do.
Resolution
Once enrolled debts are settled and paid under the terms you approved, your matter closes.
The honest tradeoffs
Debt negotiation generally requires redirecting funds that would have gone to minimum payments into your dedicated account instead, so negotiation has leverage. That tradeoff comes with real consequences worth understanding upfront.
- Creditors may continue contact while your account builds toward settlement.
- Your credit score is likely to decline, particularly early in the engagement.
- Some accounts may go to collections or, in some cases, to litigation.
- Fees are addressed in your engagement agreement before any payment is due — ask us anything before signing.
Want an honest read on your situation?
A free consultation tells you whether negotiation fits — and what it would realistically look like for your debts.
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