Because they know that if you file bankruptcy, they may get nothing at all. Due to the possibility of taking a loss, creditors are ok restructuring how much you owe, especially once they recognize the financial hardships you are facing. In other words, your creditors would rather accept some v.s nothing at all

The timeline for reducing your debt can vary depending on the complexity of your situation and how quickly you enroll into the program. You will see a reduction in your monthly payments and gives some breathing room to manage their finances. The full process typically takes 24-48 months (compared to 20-30+ years it would take on your own). The program works diligently to negotiate the best terms possible as quickly as they can, so you can start seeing relief sooner. 

Enrolling in a debt relief program may have a temporary impact on your credit score, as you are negotiating with creditors to reduce your debt. However, having large amounts of debt already makes it difficult to get approved for loans or other forms of credit. As your debt is reduced and paid off, your overall financial health improves, which can eventually lead to a better credit score. Many participants find that being debt-free not only relieves stress but also improves their chances of securing loans in the future.

No, there are absolutely no hidden fees. The program is upfront and transparent about any costs associated with the program. Their goal is to help you save money and eliminate debt, not add more to your financial burden. You’ll know exactly what to expect from day one, with no surprises along the way.