Our network of experts will combine your bills into one monthly payment. They also work with your creditors to negotiate the lowest interest rate, often adjusting late fees and service fees to save you even more money.

We are not a loan service. Our network members work with your creditors and in turn you make lower payments to them through this program.

No. Your account will be closed or frozen. By keeping the balances from going up, you will remain on track to get out of debt faster.

No. Once you retain our member’s services, they will be negotiating on your behalf, so your creditors will be paid from your settlement account.

Unfortunate life situations occur. Please call our network member handling your account as soon as you know there is going to be a problem with keeping your payment schedule.
If the circumstance isn't short term and you fail to make two consecutive on-time payments, the member might have to terminate your plan with them. It's important that you keep our member informed when there is a problem.