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To see the latest information on upcoming settlements, track the status of your enrolled debt on your Client Portal. We created your custom negotiations schedule using a proprietary algorithm that ...

This depends on the unique mix of settlements already in place, the amount of your program deposit, and your custom negotiation strategy. After each settlement, there’s typically a period of waitin...

This is called a 100% settlement, which means you would have to pay back the full amount owed, including any interest and fees that have accumulated. We do our best to avoid this scenario, but some...

There are many factors that go into a negotiation with a creditor. We always try to get you the lowest settlement, but sometimes it makes more sense to settle at a higher amount on an account for y...

Negotiations depend on three primary factors (although there are other factors to be aware of):  The balance in your Dedicated Account and your future scheduled deposits. These funds enable us t...

There are three phases of negotiation, which you can learn more about on the Negotiation Overview page. You’ll also see the definitions of the negotiation activity terms there. These terms should h...

We have a team of expert negotiators who work for you. Many have years of experience and ongoing relationships with certain creditors. If they specialize in any one of your creditors, we make sure ...

Over half of our clients get their first settlement within the first four to seven months of their program. However, the timing can vary based on several factors, including: Who your creditors a...

We begin designing your custom negotiation strategy as soon as you enroll. However, the start of negotiation activity can vary depending on who your creditors are, individual account balances, avai...

It takes a couple of days from the time funds are withdrawn from your bank account for them to be deposited into your Dedicated Account. Please allow up to seven days for processing of your deposits.