Guarantees deserve skepticism
No service can responsibly promise that every creditor will accept a settlement or that every debt can be removed.
Understand fees
Know when fees are charged and what service is actually being provided.
Know the effect of stopped payments
Programs that involve withholding creditor payments can create collection, credit or legal consequences.
Check licensing and regulator information
Rules for debt-adjustment, insolvency and counseling services vary by jurisdiction.
This page provides general educational information. For a real agreement, dispute, court filing, estate matter, debt problem or authorization document, check the current rules that apply where you live and obtain qualified advice when the consequences are significant.