Which option is right for me?
Only you can decide which option is best for you to resolve your debt. In reviewing the available options, make sure to select an option and payment that you truly can afford. Should Read more... you miss a payment, the agreement may be voided and full balance may be due. Consider if you can afford to pay the full balance today, defer the payment by a few days, or pay it over monthly payments. If paying your account in full is not an option right now, you may, if available, offer to resolve your account for less than what you owe. Read less...
What if I don't have money right now?
Even if you don’t have enough money to satisfy your account today, there may still be options available. For instance, consider making more affordable monthly/semi-monthly/weekly/bi-weekly Read more... installments and if possible, defer the first payment. Or, see if you qualify to resolve your account for less than what you owe. Read less...
Can I really resolve my debt for less than the balance?
Yes! If you are presented with an option to negotiate to pay less, any reasonable offer to settle your account for less will be considered. Please begin the negotiation process by presenting Read more... a reasonable offer to settle, or it may not be accepted. If the offer is reasonable, we will come back with up to 3 counter offers. You may choose to accept one of our counter offers, or you can choose to make another offer. Read less...
How much should I offer to resolve my debt for less?
Any reasonable offer to settle your account for less will be considered. The offer that you make to settle should represent a reasonable percentage of the balance owed. A reasonable Read more... offer will be accepted, or we may come back with up to 3 counter offers. You may choose to accept one of our counter offers or make us another offer. Read less...
What is a Counter Offer?
A counter offer is an alternative resolution amount that may be presented back to you if your original offer was not accepted. You may receive up to 3 counter offers each time. To resolve Read more... your account, you can either accept one of these counter offers or present a different amount. Read less...
Over how many payments can I resolve my account?
The range of monthly period(s) to resolve your account varies by each account. The system will not allow you to set up payment arrangements beyond a permitted range. Consider what you Read more... can realistically afford to pay according to your payroll frequency. Remember that if you miss a payment or are late in paying, the agreement may become null and void. Make sure that you feel confident about your ability to pay the agreed upon scheduled amount each monthly period for the entire term of the agreement. Read less...
