Debt Free, Stress Free

Our stress-free debt relief program follows a simple three-step process. First, our experienced attorneys assess all your enrolled debts and establish a manageable monthly payment plan tailored to your budget. Second, you make one convenient monthly payment to us instead of juggling multiple creditor payments. Finally, we use those funds to negotiate settlements with your creditors on your behalf, often for less than what you owe, until all enrolled debts are resolved.

Yes, debt settlement will temporarily impact your credit score. However, as an attorney-owned company, we help minimize this impact through strategic negotiation and proper documentation. While your credit may initially decrease during the settlement process, many clients see improvement within 6-24 months as their debt-to-income ratio improves and settled accounts are properly reported.

We can assist with most unsecured debts including credit cards, medical bills, personal loans, and department store cards. As attorneys, we're also equipped to handle deficiency judgments from auto loans or mortgages, and we can address creditor harassment under the Fair Debt Collection Practices Act.

Most clients complete our program within 12-48 months, depending on the amount of debt enrolled and their monthly payment capacity. You can typically expect your first settlement within 4-6 months if you maintain your payment schedule. We provide a written timeline estimate during your free consultation.