Qualified Unsecured Debt:

$500 minimum account size, $10,000 minimum total debt, with a minimum of three creditors.

Client must list ALL unsecured creditor accounts that will be part of the Settlement Program. They can only keep credit cards under $1,000.00 or credit cards for business if the client is self-employed. In this case, it must be notated fully.

For accounts with cash advances/balance transfers of more than 25% of the current balance, the client must agree to make "good faith" payments with the creditor for a period of 6 months from the date of the last cash advance or balance transfer to include these accounts in the program.

What we will take:

• Unsecured credit cards
• Repossession balances. (Car and house are typical)
• Past due utilities.
• Attorney fees.
• Veterinarian hospitals.
• Balances from previous rentals or broken lease agreements.
• Hospital bills.
• Credit Unions if no other accounts with that credit union, such as bank accounts or car loans.

We do not take:

• Secured Debt (examples: car balances where the car hasn't been repossessed, Conn's accounts, etc)
• Mortgages
• Small Business Administration loans (government backed)
• Car Loans (if car or any vehicle has not yet been repossessed)
• Individual debts under $350. (No combining, for example, 2 Capital One accounts at $250. each.)
• Payday loans.
• Gambling debt with casinos.
• State or Federal Taxes.
• Credit Unions where there is a secured account with the credit union, such as a bank account or car loan.
• Student Loans/ School Tuitions
• Personal Debts with friends or family members.
• Military accounts such as Military Star, Navy Federal Credit Union.
• Federal Credit Unions
• A consumer that recently has had a summons and complaint given to them by a Sherriff or process server.
• Accounts with judgments attached
• Insurance (any)
• American General
• Child Support debt
• E-Trade accounts (for example: credit cards for buying and selling stocks)