Dealing with debt isn’t easy.
You’re not alone—we’ve got your back.
Have Questions? We’ve Got Answers.
We know debt relief can feel overwhelming, and you probably have a few questions—maybe even more than a few.
We’re here to help. Here you’ll find clear, straightforward and clear answers to the most common questions we hear. If you don’t find the answers you are looking for, don’t worry—real people are always here to help. You can contact us directly by phone or email anytime.
Success Stories
We’ve helped thousands of people get results like this. Find out how »
Client
GEORGE H.
Enrolled Debt
DISCOVER CARD
Amount Resolved
$13,648
Result
WIN — Debt invalidated/deleted from credit reporting agencies.
Frequently Asked Questions
WHAT IS THE DIFFERENCE BETWEEN DEBT SETTLEMENT AND DEBT VALIDATION?
Debt settlement involves negotiating with your creditors to reduce the total amount you owe, typically resulting in a lower lump-sum payment or affordable monthly payments. Debt validation, on the other hand, is a legal process that requires creditors or debt collectors to provide proof that they own the debt and have the right to collect it from you. If a debt cannot be validated properly, you may no longer be legally obligated to pay it.
CAN YOU GUARANTEE MY DEBTS WILL BE VALIDATED OR REMOVED FROM MY CREDIT REPORT?
While we have extensive experience in successfully validating debts and challenging questionable items on credit reports, no firm can ethically guarantee specific outcomes. Each situation is unique and depends on the creditor’s ability to provide accurate documentation and proper validation. However, we will diligently advocate for your rights and strive to achieve the best possible outcome for your situation.
HOW IS DEBT VALIDATION REFLECTED ON MY CREDIT REPORT?
If a creditor cannot properly validate a debt, they are legally obligated to stop collection efforts and remove that debt from your credit report. Successfully validated debts will remain on your credit report; however, accurate reporting standards must always be followed. We’ll work closely with you to ensure your rights are protected throughout this process.
DOES DEBT VALIDATION AFFECT MY CREDIT SCORE?
Debt validation itself does not negatively impact your credit score. In fact, successfully removing inaccurate or unverifiable debts from your credit report can potentially improve your credit profile. However, it’s essential to understand that ongoing debt disputes or settlement negotiations may temporarily influence your credit. We’ll guide you step-by-step to achieve the best possible outcome for your credit health.
If your question isn’t answered above, please get in touch with us »
How long could it take to pay off your debt?
Success Stories
Thousands of people have regained their financial freedom through our program.
Our proven track record, expertise, and compassionate approach have successfully guided countless individuals toward brighter financial futures—let us help you do the same.
Note: The validation process depends on creditor responses, legal procedures, and potential debt transfers. Some debts may be resolved quickly, while others take longer due to legal and financial complexities.
CLIENT
Cherry S.
Enrolled Debt
Synchrony
Amount resolved
$6,450
ReSULT
WIN — Debt invalidated/deleted from credit reporting agencies.
CLIENT
Julia D.
Enrolled Debt
Credit One
Amount resolved
$1,244
ReSULT
WIN — Debt deleted from credit report.
CLIENT
George H.
Enrolled Debt
Discover Card
Amount resolved
$13,648
ReSULT
WIN — Debt invalidated/deleted from credit reporting agencies.
