Best Financial Advisors in Garland, TX

No, we never make any payments to your creditors. Our goal is to resolve your debt for a lower amount than you enrolled with. You are responsible for the payments to your Special Purpose Savings Account which will be used to satisfy negotiated offers, as well as our fees.

No, although CreditAssociates accepts clients in many states, it does not work with clients in, among other, the following states: Colorado, Connecticut, Minnesota, Maryland, Vermont and Wyoming.

No, we cannot guarantee the results of any particular negotiation or that any particular creditor will negotiate with us. We cannot force a creditor to accept a settlement.

No. The decision to speak with your creditors is completely up to you. We contact your creditors at the appropriate time, using the appropriate negotiation method. Our services begin working for you immediately. We will continue to communicate with your creditors to finalize negotiation discussions as your funds accumulate. It typically takes 6 months or more before we negotiate and obtain your first offer which allows you to accumulate funds to settle your first debt.

Yes, although that is possible and does happen on occasion, it is not typical. However, your creditors will likely continue collection efforts on delinquent accounts. Such collection efforts will include, among other things, phone calls and letters to you, charging off an account, sending accounts to collection agencies or filing a lawsuit. In the event you are sued, please keep in mind you have not retained CreditAssociates to represent you in any court proceedings.