Step 1: Our system matches your profile with the company (chosen from the ranking chart) which can best fulfill your needs. This process is done automatically without any human intervention. So you can be free of privacy concerns.

Step 2: A debt consultant from that company gives you a call over the phone for free no obligation counseling and makes a thorough evaluation of your financial situation.

Step 3: With your approval the consultant will call the creditor to negotiate, in order to reduce your debts, cancel interest and other penalty charges. Once the amount is reduced, your debts will be consolidated into just one payment and you can avoid dealing with multiple companies.

Step 4: The consultant gives you advice on budgeting and credit repair so that you may not have debt problems again in the future.