SCOLL DOWN TO SEE ANSWERS TO LEARN HOW THIS ALL WORKS. |
So how does it work?
Here's a Video Overview to Guide you through the Process.
Your Expectations | Our GoalHere is a Summary that helps our Clients understand the Journey when one restructures their debt into a settlement plan.
🧾 Congratulations on taking action toward resolving your unsecured debt! You’ve chosen the GCCD Debt Settlement Program—a proven strategy designed to help you reduce what you owe and break free from the never-ending cycle of minimum payments and interest. Debt Settlement works by negotiating directly with your creditors to lower the total balance you’ll need to pay—often significantly. You still acknowledge the debt, but you’re choosing to settle it for less than the full amount owed. 🔑 How It Works:
You took the first step. We’re here to guide the rest. Let us handle the negotiations while you stay focused on your fresh start. |
Established in 2019 | Begin with the End (SEE TIMELINE BELOW)GotCreditCardDebt.com can help you like thousands of others have enjoyed a "Fresh Start" to their finances.
Clients do their best when they understand what they are getting into with clear expectations and a guide. Below is a Timeline for your review. Whether you are considering restructuring your debt or you have been enrolled for some time, the following Timeline will help tell you where you are headed or at in your journey towards the abundance you deserve. TIMELINE Debt Settlement is a process that involves negotiating with creditors to reduce the total amount of debt owed, typically in exchange for a lump-sum payment or a structured settlement plan. The entire debt settlement process usually takes 24 to 36 months (Often a Client can request 48 months to lower the monthly payment with this extended term.) Here we will work inside , depending on the amount of debt and the success of negotiations. Here’s a breakdown of the process, organized into 3-month increments: Months 1-3: Enrollment and Financial Assessment The debt settlement process begins with the client enrolling in a debt settlement program. During these first three months, a debt specialist will assess the client’s financial situation, including their total debt, income, and expenses. The specialist will help the client create a budget and set aside funds in a dedicated account that will be used for settlements. This initial phase is about laying the groundwork and ensuring that the client can make consistent deposits into the settlement account, which is crucial for negotiating with creditors. Receiving calls from creditors is a normal part of the process as the creditors will use this time to fatigue the Clients back into their previous state of never-ending debt. One way a person can defer those calls is to click on "Text Now". Go and get your free phone number there and write it down (or download the APP). Then go into all of your Profiles you have online with your Creditors and switch out your existing phone number there with the free number you can obtain from the "Text Now" link. Grab a cup of coffee to just relax with this process and reward yourself with this peace of mind by deferring these calls to the new phone number (you can still check messages, text messages, and missed calls there, etc). This will be worth the 10 minutes of switching those numbers out so you can just communicate with your Family, Friends, and personal/business obligations without interruption. CALLS WILL COME IN STILL but this action/free phone number will help you. If you do not have access to your online profiles, just write down your alternative/free phone number and have it in your office or easy to locate (perhaps a note on your phone) and if a creditor calls, just say: "I am no longer going to use this number (the number they call you on) and I would like to give you my new number when you need to reach me (give them the new number). Now please repeat the number back to me." After they repeat the new number back to you, just thank them for their time and hang up. As they receive the documentation from your Settlement Team, the calls will stop. Do not be overwhelmed as this is a natural part of the process. Take action, replace your number with the process explained here, and you will be all set. Months 4-6: Creditor Communication and Account Delinquency During this period, the debt settlement company will begin communicating with creditors on the client’s behalf. This often involves informing creditors that the client is in a hardship and cannot continue making minimum payments. As a result, the client’s accounts will likely become delinquent, which can be a stressful but necessary step in the process. Delinquency often motivates creditors to consider settlements, as they recognize the risk of not recovering the full debt. The funds in the client’s settlement account continue to grow during this period, preparing for the first settlement offers. Months 7-9: Initial Settlement Offers By this time, the debt specialist should have accumulated enough funds in the client’s settlement account to begin making offers to creditors. The first settlements are typically smaller debts, as these can be resolved more quickly, boosting the client’s confidence and freeing up more funds for larger debts. Creditors may initially reject or counteroffer, so the negotiation process can take time. Clients might start to see the first debts settled and their total debt load reduced during this period. Months 10-12: Ongoing Negotiations and Settlements As the process continues, the specialist will work on settling larger debts. Negotiations can be more complex with larger creditors, but by now, the client has likely settled a few smaller accounts, which builds momentum. The client will see a reduction in the number of outstanding debts and possibly begin receiving fewer collection calls. However, credit scores may still be impacted, and it’s important for clients to stay committed to the plan. Months 13-18: Major Debt Settlements and Credit Impact At this stage, significant progress should be made in settling larger debts. With the more substantial funds available in the settlement account, the debt specialist can make more attractive offers to creditors. Clients might experience a more noticeable reduction in their overall debt burden. Additionally, the impact on the client’s credit report should start to stabilize, although it may still reflect the history of delinquent accounts. The client should continue to focus on maintaining consistent payments into their settlement account. Months 19-24: Final Settlements and Credit Repair As the process nears its conclusion, the remaining debts are settled. By this time, most, if not all, of the client’s debts should be resolved. The focus will shift to repairing the client’s credit report, disputing any inaccuracies related to the settled debts, and beginning the process of rebuilding credit. The client should see a reduction in overall debt and a gradual improvement in their financial situation. Months 25-36: Program Completion and Financial Recovery The final phase involves ensuring that all settlements are completed, and any remaining issues with creditors are resolved. The client will work with their specialist to ensure that the settled debts are accurately reported as “paid” or “settled” on their credit report. Additionally, the client will receive guidance on rebuilding their credit and avoiding future debt problems. By the end of this period, the client should be debt-free and on the path to financial recovery, with a better understanding of how to manage their finances moving forward. This 24- to 36-month process provides a structured approach to reducing and eventually eliminating debt, helping clients regain control of their financial lives. |
Top 100 Debt Settlement Questions Answered by GotCreditCardDebt.com
1. Will debt settlement hurt my credit?
Debt settlement typically causes a temporary drop in your credit score since it involves stopping payments while negotiations are in progress. However, once debts are resolved and your financial picture improves, most clients begin to rebuild credit within a year.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
2. Will I have to close my credit cards?
Yes. Most creditors require accounts to be closed to qualify for settlement. Keeping them open signals continued use and may hinder negotiation leverage.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
3. What if I keep getting calls from creditors?
It's common at first. Once enrolled, you’ll direct all calls to us. Over time, contact lessens as creditors engage directly with our negotiators.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
4. Is debt settlement the same as bankruptcy?
No. Debt settlement avoids court and lets you pay back a reduced portion of what you owe. Bankruptcy can eliminate debt but involves public record and greater credit damage.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
5. How long does the program take?
Most clients complete the program in 24 to 48 months, though some finish faster based on debt amount and monthly contributions.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
6. Can I still be sued during the process?
Yes, though it’s rare. Our legal partners can help guide you if needed. Settling often reduces the chance of legal action.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
7. What kinds of debt qualify for settlement?
Unsecured debt like credit cards, personal loans, medical bills, and collection accounts. Secured loans (like mortgages and auto loans) don’t qualify.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
8. Is medical debt eligible?
Absolutely. Medical debt is one of the most commonly settled types of unsecured debt.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
9. Are payday loans included?
Yes, payday loans qualify. We regularly negotiate these down to a fraction of the original balance.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
10. Can I settle business debt?
If it’s unsecured and in your name (not tied to collateral), yes. We help small business owners often.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
11. Will my employer find out?
No. Your employer is never contacted. Debt settlement is a private process between you, your creditors, and our team.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
12. What happens if I stop paying my cards?
It will trigger collections activity and temporarily lower your credit score, but it's a necessary step toward settlement negotiation.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
13. Will this affect my ability to rent or buy a home?
It may have short-term credit impact, but many clients go on to qualify for rentals or mortgages after completing the program.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
14. Can I use my cards during the program?
No. Continued use undermines the settlement process and may disqualify you from certain negotiations.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
15. Will interest continue to accrue?
Technically yes, but since the goal is to settle for less than you owe, most interest is ultimately waived or absorbed in the settlement.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
16. Will I get 1099-C forms for forgiven debt?
Yes, forgiven debt over $600 is reported on IRS Form 1099-C. However, many clients qualify for insolvency exclusions.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
17. Will I owe taxes on the forgiven amount?
Possibly. If you’re insolvent at the time of forgiveness, you may be exempt. We recommend checking with a tax professional.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
18. How much can I expect to save?
Most clients save 40–60% off their total balances before fees. Results vary depending on your creditors and account status.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
19. Can I settle on my own without help?
You can try, but creditors often demand lump sums and are less flexible with individuals than with professional negotiators.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
20. What does a debt settlement company actually do?
We negotiate with your creditors to reduce what you owe and structure an affordable payment plan while protecting you from legal and collection stress.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
21. Will I have to go to court?
Most clients never go to court. Debt settlement reduces that risk by resolving debts before legal action is pursued. If you're sued, our team can help guide you.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
22. Is this a government program?
No. Debt settlement is not a government program, but it is regulated by the FTC. We comply with all federal and state guidelines to ensure your protection.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
23. Can creditors refuse to negotiate?
Yes, they can — but most will engage after a period of non-payment. Our experience allows us to know which creditors are likely to settle and how to approach them.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
24. Are your fees upfront or after settlements?
We only charge fees after a successful settlement has been reached and approved by you — never upfront.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
25. What if I already have a judgment?
Judgments can still be negotiated. In some cases, we can settle them for less than owed or work out payment plans.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
26. Can I include collection accounts?
Yes. In fact, collections are often easier to settle because third-party agencies purchase the debt at a discount.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
27. Will this stop wage garnishments?
If a garnishment is already in place, we may be able to negotiate a resolution or repayment plan. If you're at risk, enrolling early can help avoid legal action.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
28. Can I still get a mortgage later?
Yes. Many clients successfully qualify for a mortgage after completing their settlement program and rebuilding credit.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
29. How do I know the settlement is real?
Every settlement offer is provided in writing by the creditor. You’ll receive proof of all agreements before you pay anything.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
30. Can I settle a charged-off account?
Yes. Charged-off accounts are common in settlement programs. Creditors still own the debt or sell it to collections, who may accept a reduced amount.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
31. What is the difference between debt settlement and consolidation?
Debt settlement reduces the total balance you owe. Consolidation combines debts into one loan, often without reducing the principal.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
32. Is there a minimum amount of debt required?
Generally, programs are best suited for individuals with over $10,000 in unsecured debt, but we assess every case individually.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
33. Do I have to be behind on payments?
Most creditors won’t negotiate unless accounts are past due, but we evaluate every situation to find the best approach for you.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
34. What if I can’t make a payment one month?
We work with you. It’s important to stay consistent, but we understand hardships and will help adjust when possible.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
35. Do I pay the creditors directly?
No. You deposit into a dedicated account that you control. Funds are only used for settlements you approve.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
36. Is the program safe?
Yes. We use FDIC-insured dedicated accounts, provide written settlement documentation, and follow all legal and regulatory guidelines.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
37. Do you guarantee results?
No company can guarantee settlement outcomes, but we only charge after results and have a strong track record.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
38. Can I leave the program?
Yes, there’s no long-term contract. You can leave at any time with no penalty, and funds in your account are yours.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
39. Can I negotiate one card at a time?
We often start with your lowest balance to build momentum, but the goal is to address all debts efficiently.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
40. Can I keep any of my credit cards?
Typically no. To be effective, the program requires all enrolled cards to be closed. You may keep a card not included, but we advise against it during the process.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
41. What happens to my credit report during the program?
Your credit report may show missed payments and settled accounts. These entries reflect your debt relief progress and typically improve after completion.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
42. Can I be sued while enrolled?
Yes, but it’s rare. We work to negotiate and settle before legal action occurs. If sued, we can help guide you on next steps.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
43. Does this affect my spouse’s credit?
No, unless the debts are joint. Individual accounts only impact your credit profile.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
44. Can I still rent an apartment?
Yes. Some landlords check credit, but many prioritize income and rental history. Provide proof you're resolving debt if needed.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
45. What if I get a settlement offer myself?
Send it to us. We can often negotiate better terms or ensure you’re not accepting an unfavorable deal.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
46. Will my employer find out?
No. The process is confidential. Your employer is not contacted unless there’s a wage garnishment, and we work to prevent that.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
47. Can I include private student loans?
In many cases, yes. Private loans behave more like personal loans and may qualify for settlement. Federal student loans are excluded.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
48. Can I settle a judgment?
Yes. We negotiate judgments regularly. Depending on the creditor, settlements or payment arrangements are often possible.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
49. Will debt collectors stop calling?
They should reduce contact once they’re notified of your enrollment. Some may still call, but you can refer them directly to us.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
50. Can I do this if I live in a different state?
Yes! We work with clients in nearly all 50 states, except where state-specific restrictions apply. Let’s verify your eligibility.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
51. Can I include debts from identity theft?
Debt from fraud should be disputed first, not settled. We’ll help guide you on the best course if you're unsure.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
52. Can I include debts that were already settled before?
No. Already resolved accounts can't be included. But we can still help with any active or unresolved balances.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
53. How do I prove a debt is settled?
You’ll receive a settlement letter for every resolved account — it’s your proof that the creditor accepted payment in full.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
54. Can I settle a repossession balance?
Yes. If it’s unsecured (no longer tied to the vehicle), we can often settle the deficiency balance.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
55. What if a debt is not showing on my credit report?
We can include verified debts even if they’re not listed, as long as you can provide documentation.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
56. Will this affect my current mortgage?
No. Secured debts like your mortgage remain unchanged and outside of the program. Your home is not impacted.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
57. Can I still apply for new credit during the program?
It’s not advised. New credit can interfere with negotiations and show creditors you're not in true hardship.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
58. Do I need to open a new bank account?
Sometimes it’s recommended, especially if you're dealing with aggressive creditors who might attempt unauthorized withdrawals.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
59. Can I get a car loan while in the program?
It may be difficult during the program due to credit impact. After completion, your improved financial picture often helps you qualify.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
60. What if my bank closes my account?
We can help you find a suitable alternative. We’ve worked with clients in similar situations and can guide next steps.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
61. Can I choose which debts to settle?
Yes. You can include only the debts you want to settle, as long as they’re unsecured. We’ll review your list and help you decide which make the most sense.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
62. Will this affect my spouse’s credit?
Only if the accounts are joint or co-signed. Otherwise, your spouse’s credit remains unaffected.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
63. Do I have to include all my debts?
No, you choose which unsecured debts to include. Some clients leave out accounts they wish to keep in good standing.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
64. Can I pay more each month to finish early?
Yes! You can always increase your monthly deposit. Doing so will allow us to settle accounts more quickly.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
65. Can this program affect my security clearance?
Possibly — but resolving debt can be seen as more responsible than ignoring it. We recommend discussing it with your HR or security department.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
66. Will creditors forgive my late fees too?
Often, yes. When we settle, fees and interest are usually included in the reduced total.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
67. Can I enroll if I’m already in collections?
Absolutely. Collections debt is highly negotiable, and many of our clients come to us with accounts already in collections.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
68. What’s the difference between debt settlement and debt consolidation?
Consolidation combines all debts into a single loan. Settlement negotiates each debt down individually, often for significantly less than what you owe.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
69. Will I need a good credit score to start?
No. This program is designed for people with financial hardship — even if your credit has already taken a hit.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
70. Can you help me avoid bankruptcy?
Yes. Many clients use debt settlement as a last resort before filing bankruptcy — and successfully avoid it.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
71. What makes you different from other companies?
We combine personalized care with proven results. You’ll work with real people — not a call center — who are invested in helping you succeed.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
72. Will I have to talk to creditors?
No. We handle all creditor communication so you can focus on your financial recovery.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
73. What’s a trust or special purpose account?
It’s a secure FDIC-insured account used to set aside your monthly program contributions. You control it at all times.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
74. Will my accounts be frozen?
Creditors may restrict access to revolving credit once accounts fall behind, but your bank accounts remain unaffected.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
75. Can I use my tax refund to pay off settlements?
Absolutely. Tax refunds are a great way to accelerate settlements or knock out multiple accounts.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
76. Do you work with debt collectors?
Yes. In fact, many settlements are negotiated with third-party collectors who’ve purchased your debt from the original creditor.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
77. What if I already have a payment plan with a creditor?
You can still enroll. We’ll review the agreement and determine the best strategy — often, settlement saves more in the long run.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
78. Will this stop wage garnishments?
It can, especially if we settle the account quickly. We’ll act fast and connect you with legal support if needed.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
79. What happens if I don’t complete the program?
You’re never penalized. Settlements already made remain valid, and we’ll work with you to adjust your plan if needed.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
80. Is this the same as credit counseling?
No. Credit counseling works with minimum payments, whereas settlement focuses on reducing the debt total.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
81. What if I move to another state?
Not a problem. The program travels with you and remains valid nationwide, except in a few restricted states.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
82. What is the difference between you and other companies?
We combine hands-on support with aggressive negotiation. You’re never treated like a number here — your success is personal to us.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
83. Can I include business credit card debt?
Yes, as long as it’s in your personal name or personally guaranteed. We help small business owners often.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
84. Can I settle debt if I’m retired?
Absolutely. Many of our clients are retired and living on fixed incomes. This program is often a great fit.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
85. Will this help with payday loans?
Yes. Payday and predatory loans are negotiable and often settle for much less than owed.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
86. Will this program stop collection calls?
Yes. Once creditors are aware you’re working with us, they typically direct communications through our team and calls slow down.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
87. Can I settle with American Express?
AMEX is known to be tough, but not impossible. We’ve had success based on timing, balance, and account status.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
88. Can I use a family member’s bank account to make payments?
Yes, but it may require written consent. We’ll make sure everything is safe and compliant.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
89. Will this program show up on my credit report?
The program itself doesn't show, but missed payments and the settlements themselves may be reflected.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
90. Can you help settle old medical bills?
Yes. Medical debt — old or new — is highly negotiable and often settles for a fraction of the balance.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
91. What happens to interest after a settlement?
Once a settlement is reached and accepted, additional interest stops accruing. You only owe the agreed reduced balance, and that amount does not grow over time.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
92. How fast will my first settlement occur?
Most clients see their first settlement within 3–6 months, depending on their monthly deposit amount and creditor behavior. Some settle even faster with aggressive funding.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
93. Can you help settle debts with Synchrony Bank?
Yes. We’ve worked with Synchrony Bank on thousands of settlements. Their policies vary, but we understand their process well and can negotiate on your behalf.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
94. What if my bank account is frozen by a creditor?
If a judgment creditor freezes your account, it’s a serious matter. Contact us immediately—we’ll help you address the legal issues and may negotiate the debt to resolve it.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
95. Can you stop my credit card interest from increasing?
While we don’t control your creditor's policies, once enrolled, you’ll stop making payments and most interest becomes irrelevant as we negotiate a lump-sum settlement amount.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
96. What is a “charge-off” and can it still be settled?
A charge-off is an accounting term that means the creditor gave up on collecting, but the debt still exists. Yes—it’s highly negotiable and commonly settled.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
97. Will I owe taxes on forgiven debt?
Possibly. The IRS considers forgiven debt as taxable income. However, if you were insolvent when the debt was forgiven, you may not owe taxes. A tax professional can guide you.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
98. Can I cancel the program if I change my mind?
Yes. The program is completely voluntary. You can cancel at any time and any funds in your account remain yours to withdraw.
Let's get you the additional clarity you deserve. Simply send an email to: [email protected] and enter 'Strategy Session' in the subject line or just call/text □ (424) 537-4694. We are happy to help. | www.GotCreditCardDebt.com
99. How do I get started?
It’s simple. Call or text □ (424) 537-4694 or email [email protected] and put “Strategy Session” in the subject line. We’ll guide you step-by-step.
We are happy to help. | www.GotCreditCardDebt.com
100. Can I speak with someone today?
Absolutely. Just call or text □ (424) 537-4694 right now and we’ll connect you with Anthem or a Member of his Team for your no-stress, no-obligation 15-minute Strategy Session. You’ll walk away with real answers and a clear plan.
www.GotCreditCardDebt.com
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