Frequently Asked Questions

FAQ Categories

General Questions

How long does each of the programs take?
- That depends on many factors including how much debt you have, how many creditors, your ability to pay each month, and the type of program you select. Clients can be debt free in as little as 12 months.
What is the best debt solution for me?
- Choosing the right debt solution is not an easy process. Fortunately, our Credit Advisors can help you understand each of the programs’ benefits so you can find the right option for you.
How long does it take to enroll in the programs?
- Once you’ve selected a program with our help, signing up is easy and can be done over the phone or in person at our offices. The hardest part is selecting the right program, and fortunately our Credit Advisors are here to help you.
Can my creditors keep calling me all the time trying to collect on my late payments?
- They are allowed to call you but must follow certain guidelines set forth by the Fair Debt Collection Practices Act. Our advisors will explain the Fair Credit Act to you.
Can I stop my creditors from calling me?
- You do have rights under the FDCPA that can stop them from calling, but you must take certain steps to do so. Our Credit Advisors can assist you in enforcing your rights under the FDCPA.

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