Yes, but it will depend on someone’s credit score and debt-to-income for them to qualify. If someone does not qualify, then we share our debt relief program with them.

For debts forgiven in excess of $600, some creditors might issue a 1099c. In such a case, you might be eligible to file form 982 along with your income tax return to reduce any tax debt. Read publication 4681 on the IRS website to find out more about the implications of cancelled debt and how to reduce any tax liabilities.

There are no upfront fees. As a matter of fact, we don’t collect payment from you until one of your accounts has been properly resolved. When one of your creditors makes an offer, we will send you a written agreement for review and approval. Following receipt of the settlement payment, our fees are subsequently paid on a prorated basis.

No. Even though it doesn’t happen often, your creditors do have a legal right to litigate to enforce their claims. If a lawsuit is filed against one of your accounts, it’s typically done to pressure a settlement because trying to collect an unpaid debt is expensive and time-consuming for creditors. In the unlikely occasion that this happens, we have a devoted team that specializes in negotiating with the law firm to attempt and resolve the account prior to it going to court.

No. Even though it doesn’t happen often, your creditors do have a legal right to litigate to enforce their claims. If a lawsuit is filed against one of your accounts, it’s typically done to pressure a settlement because trying to collect an unpaid debt is expensive and time-consuming for creditors. In the unlikely occasion that this happens, we have a devoted team that specializes in negotiating with the law firm to attempt and resolve the account prior to it going to court.