DEBT RESOLUTION

While you could be eligible for different debt solutions, there are advantages to debt resolution that could help you reduce your debt and get out of debt faster than making minimum payments.

Credit counseling: Can help you learn to budget and stop overspending. Counselors can enroll you in a debt management plan where they typically lower your interest rates and set up a payment schedule, to simplify debt repayment and make it more affordable. Credit counselors control your (the consumer’s) money and when/how the money is distributed to the creditors.

Debt resolution: Means convincing your creditors to accept less than you owe as payment in full. They may be willing to do so if you cannot afford to repay the full amount. With debt resolution, and specifically Achieve Resolution, you (the member) approve all actions by Achieve Resolution - i.e. Achieve Resolution does not control your money and when/how the money is distributed to creditors — everything must be approved by you.

Bankruptcy: A court-ordered plan in which you either surrender assets or pay into a plan to discharge some or all of your debts.

Program fees range between 15-25% of the amount of enrolled debt to be resolved. Rates may vary depending on your state of residence.

Achieve Resolution can help with unsecured debt (not backed by collateral like a car/house), including:

Debts we can help with

• Credit cards

• Medical bills

• Most personal loans

• Private student loans
  

Debts we can’t help with

• Secured loans (HELOC, auto, etc.)

• Utility bills

• Tax debt

• Federal student loans

Achieve Resolution has various benefits in place to assure that members are placed at the center of everything we do, and that Achieve Resolution is the solution recommended only when it is truly the best fit for the member’s needs and circumstances.

These benefits are in place with the Achieve Resolution Promise, which has four components in total that help assure that:

1. You (the member) can make informed decisions, with a free debt evaluation

2. You will be set up for success, with a personalized financial assessment that includes cash flow analysis

3. You won’t be surprised, with clear terms and our commitment to transparency

4. You will get results, with the Program Guarantee* that states that if your total program settlement cost is more than the total amount of debt you enroll in our program, the Achieve Resolution program will refund you the difference, up to 100% of our collected fees.*

Another benefit is our partnership with a network of attorneys, the Legal Partner Network, that specializes in debt negotiation. The cost of the Legal Partner Network service is included in your program and will be available to you as long as you make all your deposits on time and in the full amount. For more information, please see question: “What do I do if my creditor takes legal actions?”

Lastly, Achieve Resolution provides complimentary tools and guidance to help customers succeed including an online dashboard for clients, with access 24/7 and the ability to chat with Member Services 7 days a week. In the dashboard, members can access various videos and articles to grow their financial skills.

*For purposes of this settlement fee refund, your “Achieve Resolution program settlement costs” are

(a) the total amount you paid to your creditors through your program

(b) the total settlement fees paid to us as described in Subsection 5.a. (excluding any other fees, costs or taxes you may incur).

In the event you charge, draw, or take advances on a debt after enrollment, that debt, and any program settlement costs associated with that debt, will not be considered for purposes of this settlement fee refund.