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You can rest assured that, while we've helped many people who have faced similar financial situations, we treat you as an individual, and work with you to create a personalized and realistic debt relief plan that best meets your needs and fits your unique situation.
With a DMP, we work with you to consolidate all of your unsecured debts into a single monthly payment with the goal of receiving better repayment terms from most creditors and paying back your debt in full over an approximate 5-year period. Our DSP is a more severe solution for those who cannot afford the DMP monthly payments, and involves us negotiating with your creditors on your behalf to accept a partial repayment of your debt. If, after fully reviewing and analyzing your financial situation, bankruptcy appears to be the most appropriate option, we will refer you to an attorney to discuss your bankruptcy options.
We work with you to create a spending plan based on your income and all of your expenses, including bills, payments, household expenses, and any other cost-of-living expenses. We then walk you through your debt repayment options and help you make an informed decision as to which plan best suits your specific needs. On the following page is a list of some of the major considerations we help you think about when selecting the most appropriate solution. In addition to this list, we also carefully review your budget and make sure that the plan we are recommending is affordable, given your budget.