You speak with our team. We listen to your situation, review your debts, pull a soft credit report (zero impact to your score), and give you an honest picture of what federal law allows us to do on your behalf. Most consultations take 20 minutes.

From the day you enroll, you have licensed attorney representation through our partner law firms. Cease and desist notices go out to every creditor and collector instructing them to contact the attorneys at our partner law firms — not you. The calls stop. The letters stop.

The consumer rights attorneys assigned to your case send formal legal notices to your creditors demanding the documentation required by federal law. Creditors must prove the debt is valid, accurately reported, and legally collectible. Many cannot. When they fail, the attorneys act on that failure.

As accounts are disputed, removed, or resolved, your credit profile improves and your debt-to-income ratio drops. Most cases complete within 24 months — a fraction of the time most clients would have spent paying minimums with no end in sight.

In the rare cases where a creditor has sufficient documentation to maintain standing, the process doesn't stop — it shifts strategy. The consumer rights attorneys assigned to your case negotiate the balance down as aggressively as the law allows, then structure repayment terms that actually work for your situation. No escrow accounts. No hidden fees. No fine print.