How it works
Simple, unhurried, and up to you
From the first call to the day your last bill is settled, you always know what happens next.
- 1You call, or answer 3 questionsWhichever is easier for you. It takes a few minutes.
- 2We explain your optionsCosts, timing and how each choice could affect your credit, slowly and clearly.
- 3You decide, in your own timeTalk it over with family first if you like. Nothing happens until you say yes.
What happens on the first call
- A specialist asks about your bills and your monthly income. Have a recent statement handy if you can, but it is fine if you do not.
- They explain the options that could fit, with the costs, the time each takes and how each could affect your credit.
- If you would like to go ahead, they introduce the partner company that provides the program, and you review its agreement before anything is signed.
- If not, that is fine too. We may point you to free resources instead.
We will never ask you to pay us anything up front, ask for your bank password, or pressure you to decide on the call.
Ready when you are
[Mon–Sat, 9 am–8 pm ET] · Free and friendly