Each person is different and therefore it varies in how fast we can help them get out of debt!

Your time in the program depends on how much debt you have and how fast you can save money so that we can negotiate satisfactory settlements for you to get out of debt at a large discount.

Our past and current clients prove that anyone who works hard enough to qualify for credit and accumulates enough debt to need one of our programs; has the ability and resources to get through to the end. This is true in all but a few circumstances.

In our introductory consultation, we are very thorough in finding out the exact information concerning your situation. From that we jointly will determine what program is right for you, and what level of monthly payment you will be able to live with given the resources you have.

Because of the care we take in understanding each of our clients individual situation, most of those who start our programs will complete it successfully.

Upon completion of our debt settlement services clients may enroll, at no extra cost for life, in a special course in managing personal finances. We call this our Fresh Start Program, it is unique, just as you are.

This Fresh Start Program helps to ensure you will not get into a difficult debt situation again. It also ensures that you have the skills necessary to live well and have the things you need and want without having to accumulate debt to obtain them.

We also have programs that you can implement on your own if you wish to legally improve your credit rating without having to waste your money on one of those fly-by-night credit repair companies. For this program to work you need to have used our debt settlement services first.

Alternatively, at your option, you may choose to have us perform this credit repair function for you at an additional cost. Most of our clients do choose to allow us to do this for them as they have the confidence in us through our proven performance in handling their debt elimination.