Consultations are entirely free with no obligation.  Our Debt Negotiation fees are performance-based, meaning clients pay our company no fees whatsoever until a debt is negotiated and settled.  Our settlement fees are a flat 15% of your enrolled debt and factored in your new affordable monthly program payment.  Most Debt Relief companies charge 20 to 25% of your enrolled debt which. In other words, our fees are 20 to 40% LOWER than most other companies.  Our fees do not include any optional third-party fees administered by a separate provider.