Frequently Asked Questions
Find answers to common questions about debt relief, debt settlement, bankruptcy, and your path to financial freedom.
Quick Answers
How much does debt relief cost?
Costs vary by service. Debt settlement companies typically charge 15-25% of enrolled debt. Credit counseling is often free or low-cost. Bankruptcy attorney fees range from $1,000-$3,500.
Can I get debt relief if I'm unemployed?
Some options like Chapter 7 bankruptcy don't require income, but most debt relief programs require some ability to make payments or access to settlement funds.
Will my spouse be affected?
Your spouse is only affected if they co-signed debts or you have joint debts. Their individual credit and assets remain separate unless you file jointly.
Can I travel during debt relief?
Travel restrictions vary by program. Debt settlement and debt management plans have no travel restrictions, while bankruptcy may require court permission for international travel.
Detailed Questions & Answers
General Debt Relief
Common questions about general debt relief
Debt Settlement
Common questions about debt settlement
Bankruptcy
Common questions about bankruptcy
Debt Consolidation
Common questions about debt consolidation
Credit and Recovery
Common questions about credit and recovery
Still Have Questions?
Our debt relief specialists are here to help you understand your options