In a qualified Debt Resolution Program, a financial consultant will review your current situation and evaluate your income and expenses. Once your consultant has a clear and detailed picture of your finances, we will help you build a budget that will allow you to save money each month that will be used to negotiate with your creditors to reduce the outstanding balance on your credit card accounts and resolve your debts for less than you currently owe, and on a payment plan you can manage. We help you review your current financial situation in order to identify ways we can help you better manage your budget and find ways to help you save. Depending on the amount of debt you enroll in the program, and how fast you are able to save money, many of our clients are able to complete the program in 24-48 months. This is a way to pay off your debts significantly sooner than by just making the minimum payments. In our Debt Resolution Program, you are never charged a fee until we are able to reduce the amount of debt that you owe.