Frequently Asked Questions

Question: Will this program bring me immediate debt relief and lower my payments?

Answer: No, this is not a hardship program. If you are unemployed or short on cash each month (cash negative) and need immediate debt relief you may not be a good candidate for our service at this time. This program is for those that have regular income and are making at least the minimum payments on-time every month (cash positive) and can continue to do so.

Question: Will this program hurt my credit?

Answer: No. We do not negotiate with the creditors. This is not a hardship program. Your credit will improve naturally over time. We never recommend you pay less than the minimum amount due. Your debt-to-income ratio will improve which will improve your credit score.

Question: How do you achieve such amazing results?

Answer: It is a combination of mathematical algorithms and a structured cash flow process. The magic comes from the consistent application of the strategy over time. Our system and tools make it easy for you to accomplish. We will assess your specific situation and formulate a strategy. With the same money you’re already spending we restructure your payments to your advantage rather than the lender’s. We create a margin which is used to strategically pay down your principal much quicker and thus achieving the amazing results. It is a combination of strategy and consistency that makes the big difference.

Question: What if I get a new car or want to make other changes to my debts?

Answer: Our system is very flexible. We understand that life’s circumstances can change. You are always in control and can make any modification to your plan at any time. With our system you will become more aware of the overall financial impact of your decisions.

Question: How much does this service cost?

Answer: We offer a FREE online analysis with no obligation. After you complete the analysis and review all the numbers you will be able to make an informed decision. The cost and any promotions are displayed on the enrollment page. The cost is a very small fraction of what we can actually save you. The more important question is “how much am I paying in interest costs unnecessarily and how much earned interest am I missing out on because of my debt?”

Question: What do creditors think about this service?

Answer: Our service is transparent to them. Every debt will always receive at least the minimum payment due. Credit card companies want to keep you in debt for as long as possible. Their profits come from finance charges and other fees. Our objective is the opposite, to get you out of debt as soon as possible and to help you pay as little interest as possible.

Question: Can I include all of my bills?

Answer: Any and all debts can and should be included. This includes all credit cards, student loans, mortgage loans, auto loans, personal loans, medical bills, and any debt that has a balance that can be paid down to zero. Regular monthly bills that are paid off each month such as your electric bill and phone bill are considered expenses and not debts.

Question: Can I increase the amount of my payments if my situation changes?

Answer: Absolutely, you can always increase which will get you out of debt even faster. In most situations you will also have the ability to decrease if needed.

Question: Will I need to download and install software?

Answer: No, our software is all web based. You will need access to the Internet through a web browser such as Internet Explorer, Chrome, Firefox. You will set a username and password to login to your account. You will also need an active email address.

Question: How will I communicate with my financial advisor/mentor?

Answer: After you enroll online you will be contacted within 24 to 48 business hours to setup your initial phone appointment. You will have a direct phone number and email address to a licensed financial professional to assist you in reaching your goals. You will work directly with your mentor and his or her office staff.


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