Four steps, no surprises.

1. 1

   A confidential conversation

   You tell us what happened and what you need. No paperwork required for this first chat, and no obligation to continue.

2. 2

   We review your position

   We look at the relevant credit bureau information and your current obligations to see which process may apply.

3. 3

   You get a clear plan

   We explain the steps, the documents involved, realistic timelines and any costs before anything starts.

4. 4

   We keep you updated

   You are told what is happening at each stage, including anything that requires a debt counsellor, attorney or bureau.

Timelines depend on the bureaus, credit providers and courts involved. We do not guarantee an outcome, and every matter is assessed individually.