A structured path toward resolving eligible debt.

Who this path can fit

Debt relief is generally designed for people with significant unsecured debt who are experiencing hardship, are behind or close to falling behind, and cannot qualify for an affordable consolidation loan.

• Credit cards and personal loans
• Medical bills and eligible collections
• A documented financial hardship

Credit considerations

Debt settlement may negatively affect your credit, particularly when payments are missed or accounts become delinquent. Your advisor will explain what that may mean in your circumstances.

What the program costs

Fees typically range from 15% to 25% of enrolled debt. Programs generally run 24–48 months. Clients who complete all program payments resolve approximately 45% of enrolled debt on average before fees; individual results vary.

What happens next

You review a written plan, open a dedicated account under your control, make monthly deposits, and approve each settlement before funds are released.