Question 1

Is this really free?

Accepted Answer

Yes. Your initial consultation with a debt relief specialist is completely free. There is no cost to find out what programs you qualify for, and no obligation to enroll in anything. If you do enroll in a program, any fees are disclosed upfront and only apply after you are actively saving money.

Question 2

How long does the process take?

Accepted Answer

The initial consultation typically takes 15–30 minutes. If you decide to enroll in a program, the enrollment process can be completed in as little as one day. The length of the debt relief program itself depends on your total debt amount and the program you qualify for — most programs run between 24 and 48 months.

Question 3

Do I need to provide my Social Security number?

Accepted Answer

No. To get started and receive your free consultation, we only need your debt amount and a phone number. A Social Security number is never required to find out your options.

Question 4

Will this affect my credit score?

Accepted Answer

Finding out your options will not affect your credit score — we do not pull your credit report during the initial consultation. Some debt relief programs, such as debt settlement, may have a temporary impact on your credit score. Your specialist will explain the credit implications of any program before you enroll.

Question 5

How much debt do I need to qualify?

Accepted Answer

Our programs are designed for people with $10,000 or more in unsecured credit card debt. If you have less than that, a specialist can still review your situation and suggest the best path forward.

Question 6

Do I need to be behind on payments to qualify?

Accepted Answer

No. Many hardship programs are available to people who are current on their payments but struggling to keep up. You do not need to have missed payments or be in collections to qualify. In fact, reaching out before you fall behind often gives you more options.

Question 7

What types of debt qualify?

Accepted Answer

These programs are designed exclusively for unsecured debt — primarily credit cards and store cards. They do not apply to secured debt like mortgages, HELOCs, or auto loans, or to student loans. If your debt is secured by collateral, it is not eligible for these programs.

Question 8

I've already missed several payments. Can I still get help?

Accepted Answer

Yes. Even if you are significantly behind on payments or have accounts in collections, there are still programs that may be able to help. The sooner you reach out, the more options are typically available.

Question 9

What is a hardship program?

Accepted Answer

A hardship program is an arrangement offered by credit card companies for customers experiencing financial difficulty. Depending on the issuer and your situation, these programs can temporarily reduce your interest rate, lower your minimum payment, waive late fees, or pause interest accrual entirely. They are designed to help you pay down your balance without falling further behind.

Question 10

How much can I realistically save?

Accepted Answer

Savings vary based on your current interest rates, total balance, and the programs you qualify for. Some people see their monthly payments cut in half. Others have their interest rate reduced from 24% down to 0%. Your specialist will give you real numbers based on your specific situation — not estimates.

Question 11

Will I have to stop using my credit cards?

Accepted Answer

In most cases, yes. Hardship and consolidation programs typically require you to close or stop using the enrolled credit card accounts. This is a condition set by the creditors, not by us. Your specialist will explain exactly what is required for each program you are considering.

Question 12

What happens if I miss a payment in the program?

Accepted Answer

Missing a payment in a hardship program can result in the program being cancelled and your original terms being reinstated. It is important to only enroll in a program with a monthly payment you are confident you can make. Your specialist will help you find a payment level that fits your budget.

Question 13

Is my information safe?

Accepted Answer

Yes. Your personal and financial information is kept strictly confidential. We do not sell your data to marketers, advertisers, or third parties. Your information is used only to connect you with a debt relief specialist.

Question 14

Are these programs legitimate?

Accepted Answer

Yes. The hardship programs we connect people with are offered directly by credit card issuers and administered by licensed, accredited debt relief organizations. We encourage you to ask your specialist about their credentials and accreditations before enrolling in any program.

Your Questions, Answered

Getting Started

Eligibility

How Programs Work

Privacy & Safety

Still Have Questions?