Our goal is to have you debt free in 24-48* months, depending on your current situation. Our experienced negotiators will work with you and your creditors to settle your enrolled debts for as little as possible. During the negotiation process, creditors may continue to charge interest, tack on late fees or other charges; however, we factor this in to your overall program and estimate. The time it takes to clear a debt is mainly dependent on your financial condition, but may also depend on the creditors you enroll. We understand that every situation is different and we can discuss your situation during the free confidential phone consultation.