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How It Works

The road to being debt free starts here, and we have the map to help you on your journey!Get Debt Free Today!

Step 1

Analysis

Step 2

Choosing Your Program

Step 3

Welcome!

Step 4

The Journey Has Begun

Analysis

The first step quite frankly is to acknowledge there is a debt problem and set a goal to rid you of debt. To begin your debt relief program, simply call or submit an inquiry online. You will have a designated debt analyst throughout the enrollment process to help you build a plan to best fit your needs. The analyst will ask and answer questions in order to assess your situation and suggest options in line with your goals.

Choosing Your Program

Once you have completed the analysis, it’s time to drill down the details. Your analyst will provide options for a monthly set aside dollar amount that will go towards settling the accounts you’ve included into the program. Often the presented options are much less than your current minimum payments. This is obviously one of the reasons debt settlement can be a life saver! You’ll also have the option to choose the length of your program. Programs can range from 12-48 months. Although, a lower monthly obligation may be the best option for some, it’s always good to keep in mind that a shorter term program and higher monthly set aside could be beneficial. A shorter program could help reduce the length of time for program–related negative effects to credit, and could further save you money among other things.

A New You does not charge any upfront fees, but your analyst will likely include your estimated fee costs into your quoted monthly program payment. These fees will be set aside along with your settlement funds, but will not be collected until the debt has been resolved. Fees are collected only when an account is settled and in measure to that specific account. After determining your program details our analyst will help set some expectations and guide you to completing your enrollment.

Welcome!

You will be welcomed immediately and A New You will be retained to begin working for YOU! Although we will be working diligently on your behalf and your account managers will be in contact with you throughout your program, for best results, it’s best for you to stay involved. Communicating any questions or concerns is always encouraged as well as making us aware of any creditor activity. Your program has begun and the light at the end of the tunnel looks bright!

The Journey Has Begun

In the beginning of your program, your monthly set aside payment will begin to accrue. As your money accrues, your accounts simultaneously begin to age. When the timing is right and your account has sufficient funds for settlement, we will contact your creditors to reach an agreement on your accounts. It’s important to understand that it could take several months to accrue enough saving for us to begin negotiating with your creditors. Once we have procured a settlement, A New You will promptly inform you of your settlement terms and savings, and process payment to the creditor. This is also when the fee associated with that settlement will be collected from your dedicated savings account. Settlements most commonly come in two forms; term settlements and lump sum settlements. Term settlements are paid to the creditor in monthly installments while lump sum settlements are paid all at once. Either way, once the settlement has been satisfied, the balance will be reduced to 0 and you will no longer owe that debt. We will  congratulate you on your first settlement and our team will continue working on the rest of your accounts to help you reach your destination, or in this case, your new beginning.

There is Life After Debt

NO RESULT. NO FEE. Debt Relief You Can Count On. Call now! 1-855-501-6870

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