Step 01
Tell us the basics
Two fields, sixty seconds. We match your file against the creditors we already have working relationships with.
Hand Initiatives
Mon–Fri, 7a–8p CT(888) 402-7719
Great News!
96% of our clients walk away with an offer. You could be next.
96%
walk away with an offer
48%
average of balance settled
214k
households served
4.9
from 11,412 reviews
How it works
Three steps, and none of them involve a filing cabinet.
Step 02
We do the negotiating
Your specialist works the balances directly and brings back a number in writing. You never have to take the creditor's call.
Step 03
You say yes or no
Nothing moves without your approval. Accept the offer and we build the schedule around your actual paydays.
Real files, real numbers
What “an offer” looked like for them.
$28,400$11,900
“I had four cards and a collections letter I was scared to open. Eleven months later it was closed out.”
Tulsa, OK
$51,200$22,050
“They called when they said they would, every single time. That alone was worth it.”
Akron, OH
$16,750$6,980
“I expected a sales pitch. I got a plan with dates on it and a person who answered the phone.”
Mesa, AZ
Illustrative examples, not actual client files. Individual results depend on your creditors, balances, and state.
The questions everybody asks.
Why do you ask for the last 4 of my SSN?
It is the only way to pull the right file without a hard inquiry. We match those four digits against your phone number to confirm identity — we never see or store the full number, and it is never used to open anything in your name.
Will checking my options hurt my credit?
No. This is a soft review. It appears only to you, never to lenders, and it has zero effect on your score. Nothing changes until you accept an offer in writing.
What does an offer actually look like?
A written figure: the balance your creditor agrees to accept, the monthly amount, and the end date. Across the last twelve months our clients settled for an average of 48% of what they owed.
How long before I hear something?
A specialist calls within about seven minutes during business hours. Most files have at least one offer on the table inside of nine days.
What if I do not qualify?
Then we say so on the first call and point you somewhere better. You are never handed to a call-center list, and you never pay to find out.
Sixty seconds now, or another year of minimum payments.
- No hard credit pull
- No fee to find out
- No obligation