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Important Notice: Debt settlement programs typically last 24-48 months. Not all debts are eligible for enrollment. Not all clients complete their programs for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary depending on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific time period. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services.
Credit Impact: Enrolling in a debt settlement program may adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or debt collectors and may increase the outstanding balances of your enrolled debts due to the accrual of fees and interest. However, making only minimum payments on your credit cards may also negatively impact your creditworthiness.
Tax Consequences: Depending on your individual tax situation, the forgiven debt may be considered taxable income. You should consult with a tax professional to determine the tax consequences of debt settlement.