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Debt Settlement Frequently Asked Questions

**IMPORTANT**
If there is not an answer you are looking for here or if something is not clear, please call ASAP and one of our Certified Debt Specialists would be happy to assist you!
 
 
1 What are the fees for your services to complete the debt settlement program?
2 Will you contact all of my creditors on my behalf?
3 How will debt settlement affect my credit?
4 Does secured debt ever become unsecured debt?
5 Do I have to be delinquent with my debts to be eligible for your program?
6 How do I get approved for your program?
7 Is debt settlement the same as debt consolidation?
8 Does the debt settlement program work for all of my creditors?
9 Are your services guaranteed?
10 Will all of my debt be eliminated when I finish the debt settlement program?
11 What can I expect as a result of your debt settlement program?
12 How does debt settlement compare to bankruptcy?
13 Do I have to include all of my debts or can I choose only the ones I would like you to resolve?
14 How can I be sure this will work?
15 What is the difference between unsecured debt and secured debt?
16 Will I continue to get calls and collection letters from my creditors?
17 How long will your program take?
18 Will interest charges continue to accrue on my debts?
19 Will my accounts be closed?
20 Will my closed accounts re-open?
21 Why are my creditors saying that they won't work with you?
22 Can CCDR stop interest, fees, and/or penalties or freeze my account balances?
23 Do I need to add all of my accounts in the CCDR program?
24 What types of debts can be included?
 
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