Our process

The recommendation comes before the sales decision.

We begin with your numbers, compare both paths, and put the tradeoffs in writing. You can stop at any point.

Two people sorting options into two paths at a sunlit table — Clear numbers.Human decisions.

Tell us the numbers

Share your approximate unsecured debt, income, monthly obligations, credit range, and whether accounts are current or behind.

We compare both paths

We evaluate likely lending eligibility alongside debt relief suitability, including costs, timelines, qualifications, and important program considerations.

You get the recommendation

The recommendation is presented in writing before enrollment or acceptance. It includes what happens if you move forward—and what may happen if you do nothing.

You decide

Choose the option that fits, ask more questions, or walk away. The assessment is free and does not obligate you to enroll.

See your numbers clearly

Compare both paths before you commit to one.

Start the free assessment