Your journey to freedom from debt starts here

Our commitment lies in facilitating your debt relief by engaging in negotiations with your creditors. Through these negotiations, we strive to secure agreements where your unsecured debt is accepted at a significantly reduced amount compared to its original value. The speed of debt resolution depends on various factors, including the condition of your credit report upon enrollment and the potential influence of other debts, including those owed to us. It's important to acknowledge that this process can have an impact on your credit score, potentially leading to a decline.

You won't be able to use your program-enrolled credit cards, sorry. We do advise setting aside one card for usage in the event of any unanticipated emergencies. This should ideally be a credit card that you plan to keep and has a balance accessible.

Each person's situation is unique, so if something unexpected occurs, you might need to change your payment schedule. If revisions are required, we're pleased to work with you to make them. To stop any automatic planned payments, get in touch with our Customer Relations Team at least seven days before the date of your scheduled deposit.

Yes, debt settlement firms must be completely federally regulated as well as licensed, bonded, and registered in any state where they conduct business. Never pay upfront fees to a debt settlement firm; if they do, they are not a real settlement company. For more than ten years, we have been providing consumers with trustworthy assistance with debt settlement.

In some circumstances, you have the right to file a lawsuit against a collector. We'll be keeping track of your interactions with your creditors and analyzing any letters they send you. We have a connection with a debtor's rights firm that will file an action on your behalf if the law has been broken.

Make sure to send it to us right away if you get a summons or any other legal paperwork from one of your creditors. We have a working partnership with a law firm in every state that will take on your case and help with hurried negotiations.

The debt analysis is completely free, private, and doesn't have any obligations. There are no up-front costs associated with joining Wisdom, either. Only when the debt has been satisfied are there any fees due. Our rates typically range from 15% to 25%, though they can change from state to state. How can City Debt Relief assist me with my debts? If you have debt from credit cards, department store cards, medical expenses, private student loans, payday loans, or business debts, check out options from Debt Relief. These debts are referred to as unsecured debts.