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FAQs

What type of debt is eligible?

Unsecured Debt such as Credit Cards and Personal Loans.

Does this affect my credit score?

At the start of the program, you may see a temporary drop in your credit score. However, as you continue making progress and your debts are paid off, your debt-to-income ratio improves. This improvement in your debt-to-income ratio can lead to a gradual increase in your credit score, as it is a significant factor in determining your overall credit health

How much does your program cost?

Debt relief costs across the industry can vary and are typically a percentage of your original debt amount. Our fees are the lowest in the industry and range from just 15% to 22% of the enrolled debt. Your rate may vary depending on your state of residency and amount you enroll.

In our program, you won’t be charged any fees until a debt has been successfully negotiated, a settlement is approved, and your first payment has been made. You’ll always be in control, approving each settlement before any fees are applied. Once a settlement is reached and you’ve authorized it, the associated fee will be processed after the initial payment to your creditor. The total program fee is already factored into the monthly savings estimate provided by your debt consultant.

How long will it take to get out of debt?

The time it takes to become debt-free varies based on how quickly you can save funds for settlement offers. The more you save, the sooner you can resolve your debts. On average, our program helps clients achieve freedom from debt in 24 to 48 months. In contrast, sticking to minimum payments on your credit cards could keep you in debt for 10 to 20 years, often costing you two to four times the original amount borrowed.

How is Consumer Debt Help Association different from others?

Consumer Debt Help Association stands out from the competition in several key ways. We are proud to have the highest rating from the Better Business Bureau, maintaining an Accredited and A+ rating with zero complaints for 15 years. This reflects our unwavering commitment to customer satisfaction and ethical practices.

What truly sets us apart is our Consumer-First approach. We prioritize your needs and work diligently to negotiate the best possible reduction in your debt. Our strategic negotiation methods are designed to secure favorable outcomes, ensuring you get the most benefit from our services. With us, you can trust that your financial well-being is our top priority and we believe our reputation shows it.

Please note that all calls with Consumer Debt Help Association may be recorded or monitored for quality assurance and training purposes. *Clients who are able to stay with the program and get all their debt settled realize approximate savings of 50% before fees, or 28% including our fees, over 12 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based 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 period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our program is not available in all States. Please contact a tax professional to discuss tax consequences of settlement. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating.

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