What is the goal of Creditor Offers?

Creditor Offers is designed to open a dialogue between you and your creditors. In general, your creditors want to help you get back on your feet and are willing to offer many types of concessions like refunding fees or lowering balances. Creditor Offers makes it quick and easy to find...

How does Creditor Offers work?

It's quite simple. We contact your creditors on your behalf. Present your situation to them and get you obligation-free offers. We contact two creditors at a time in any order you'd like. We typically suggest starting with your largest balances or most delinquent accounts.

What types of offers will I get?

This really depends on the individual creditor, type of debt, and stage of delinquency. For example, if your account is in good standing (i.e. you've been making on-time payments), offers are generally fee refunds, lower interest rates, or payment deferments. If you are behind on payments, you'll likely be offered...

What are the fees?

There are no additional fees associated with Creditor Offers but we encourage and appreciate "tips" based on successful offers. Tips are an important part of our business model and help us keep the lights on and build amazing technology for you.

How much should I tip?

A normal tip equals about 15% of what we've saved you. If we save you $100, we'd love a tip of $15. Seems fair and reasonable, right? It also works out to be about 90% less than a traditional provider.

How is this different from Debt Settlement?

Here are just a few key differences…1) we don't charge ridiculously high fees, 2) we start contacting creditors immediately, 3) we'll get more than just settlement offers, 4) we don't require a special bank account, 5) we don't have high-pressure salespeople, 6) we don't sell your personal information to other...

Will I get calls from collectors?

This is a tricky question. We'll help you manage and reduce the stress associated with collection calls but we don't want to block them completely. Blocking communication from your creditors increased the probability that they will sue you and makes it harder to get great, money-saving offers.