A consolidation loan requires a credit check and on-time payments can help rebuild scores. Settlement programs may cause temporary dips as accounts are negotiated, but many clients recover scores after debts are resolved.

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With consolidation, you pay interest on the new loan. With settlement, fees are only charged after a debt is successfully resolved — no upfront fees.

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Consolidation loans typically run 36–72 months. Settlement programs usually finish in ~24–48 months.

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Most programs start at $10,000 of unsecured debt (credit cards, personal loans, medical bills).

Unsecured debts like credit cards, personal loans, medical bills, and certain lines of credit qualify. Secured debts (mortgages, auto loans) aren’t eligible for consolidation or settlement through us.

Yes — as long as they are unsecured, they can usually be included in a consolidation loan or a settlement program.

For consolidation loans, you’ll pay a fixed interest rate disclosed upfront. For settlement, interest and late fees stop accruing once an account is successfully negotiated.

For consolidation, missing payments could impact your credit and loan terms. For settlement, consistency is key — missed drafts can delay settlements.

Often, yes. Consolidation and settlement are bankruptcy alternatives that may resolve debts without filing, depending on your situation.

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No. You can cancel at any time if you’re not satisfied or if your circumstances change.

Most programs begin at around $10,000 of unsecured debt. Higher balances often see the greatest benefit.

Yes — we serve clients across the United States, except where state rules prohibit certain programs.