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our program

Credit Card Relief is an attorney driven debt compromise program specializing in helping individuals and families get out of debt. This program only deals with unsecured debt (credit cards, medical bills, unsecured personal loans, etc.). Credit Card Relief does not enroll secured loans such as mortgages or car loans.

How Does It Work?
First, an Enrollment Specialist will discuss with you your personal financial situation by reviewing your debt situation, payment status, payment amounts, and State of residence.

Next, the Enrollment Specialist will explain in detail how our program works and our fees. It is important to note that we do not charge any fees until a debt is settled (negotiated or compromised) and agreed to by you and your creditor.

Your success in this program is driven by two important events. One, is the experience and commitment of your program Attorney to aggressively mediate your debt, and two, your ability to make routine monthly payments to The Enrolled Members Trust which is set up for the future benefit of your creditors. (Note: The recommended minimum monthly payment is usually between 2 and 3 percent of your total unsecured debt. However, the more you can allocate to your Trust account, the sooner your program Attorney can negotiate, or settle your debt.)

As funds accumulate in the third party independent Trust, which is managed by a National Bank, your program Attorney begins exploring settlement possibilities with each of your enrolled creditors.

When adequate funds accumulate in the Trust to generate a discounted offer to your creditor, your program Attorney contacts both you and your creditor to solidify a plan. If a settlement offer is agreed upon, then the client, the client's Program Attorney, and the Trust pay the creditor the agreed settlement. Furthermore, the settlement is documented to ensure accurate record keeping of this transaction.

How Much Does It Cost?
Fees are assessed as a flat percentage on only the enrolled debt. Only if your debt is settled, negotiated, or compromised for the benefit of you and your creditor, do you pay a fee. If debt is not altered and agreed to by you and your creditor, then you do not pay a fee. Our attorney-driven program is among the most successful in the country, and by assessing NO Up-Front fees you are able to participate with absolutely no risk. When you call, an Enrollment Specialist will be happy to review your unique situation and provide a free, no obligation, consultation and review of your financial situation.

Why Does it Work?
For over a decade, our mediation Attorneys have settled over $200 million dollars in unsecured debt for thousands of clients throughout the United States. We have a track record of proven success. In short, our experience as a leader in providing debt relief services is why we can offer to you a NO-Risk opportunity to explore the possibilities. We don't make promises we can't keep!

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You are not alone. For you and many others, it all began with The Credit Card Trap >>
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