What type of debt can I enroll?
You can enroll all your unsecured debts which are debts that are not secured with collaterals. These debts generally include credit cards, personal loans, lines of credit, retail debt, medical expenses, debt owed after repossession, and accounts in collections.  Unsecured debts that cannot be dismissed are utilities, child support, student loans and taxes do not qualify for this Program.

We will go over all of your existing accounts and determine if you are a good candidate for our Program. If so, we will provide you with an affordable payment plan specifically designed for your needs.

How much will your Program cost me?
Our fees are based on the total amount of debt you enroll in the Program.  All program fees are included in your monthly savings contribution to include; account set up fee, administration fees and monthly maintenance fee.

How long does your Debt  Program last?
Resolving your debts sooner rather than later is our ultimate goal. Our Program typically spans between 24 and 48 months. Once your enrollment agent identifies your unique situation he will prescribe and outline the plan that works best for you. During your first consultation, we will do our best to provide you with a general idea of how long the process will take for your specific situation.

Why not resolve my debts on my own?
You can always try to resolve your own debt. However, a professional debt consultant with in-depth knowledge and experience of how to deal with creditors can save you time and money.

How are you keeping my information confidential?
Your privacy and security is a priority for us. Your confidential information is secured by website technology where every application is encrypted to guarantee that your information is kept 100% private.

Can you stop creditors’ calls and harassment?
No but we can help you minimize the calls. Our welcome package includes helpful information you can use to stop or slow down the volume of calls. Our trained customer service representative’s will provide you with instructions on what you can do or tell the collectors when you are being harassed.

Will your program affect my credit score?
If you are going through a genuine hardship as per our enrollment requirements, you are most likely not making the required minimum payments to your creditor and your payment history is being reported to consumer reporting agencies as a late payment. Presumably, your credit score is far from perfect at this point. The effects of our Debt Program on your credit rating will definitely be less damaging than the effects of other Debt Relief options including Bankruptcy. As our program continues to work and debts are dismissed, your credit score has the potential to go up as debts are removed from the report, but results can vary.

Can I apply for new credit cards or use my existing credit cards while enrolled in this plan?
No, this defeats the purpose.

Can I be sued by a creditor?
Yes. Unfortunately, we cannot guarantee that legal action will not be taken against you. If you are sued, we will provide you with legal representation for a small fee.

What is the difference between a Debt Consolidation and a Debt Dismissal Program?
Debt consolidation requires you to take out and obtain another loan in order to pay off the entire amount of your existing debt. Once enrolled in our Debt Dismissal Program, we force debt collectors to try and validate the debt they claim you have. If they cannot, we can get that debt dismissed.

What is the difference between Credit Counseling and a Debt Dismissal Program?
Credit counseling will reduce your interest rates, but you will have to pay your entire debt. Lower interest rates also mean that you will end up paying your debt for a longer period of time and further damage your credit score. This could take much longer than our Debt Dismissal Program.

What is a Consumer Proposal?
Consumer proposal enables you to combine all of your debt into a single monthly payment while also lowering your total debt. Only a licensed trustee can approach your creditors with a proposal to reduce your debt and monthly payments. You must be insolvent and your creditors have to agree to the proposal. If they agree, they are restricted from taking any legal action against you. You may however only miss a maximum of two (2) payments. If you miss three (3) payments, the proposal is annulled by court and your creditors can immediately apply to court to garnish your wages.

Should I file for Bankruptcy?
Bankruptcy should be your last resort because your credit will be destroyed for several years and you will be unable to purchase any goods on credit for awhile. You may even have to surrender what you own to a trustee in Bankruptcy. Of course the advantage of filing for Bankruptcy is that you will no longer be in debt. It allows you to start fresh.