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This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose.

A Stress-Free Experience

We offer you this free self-service platform to manage your account online with ease!

Step 1

Step 2

Payment

Choose the option that best suits your need and set up your payment

Step 3

Confirmation

Receive the confirmation letter

Choose an option that works for you

Please select the option that suits your needs and works for you.

Negotiate to pay less

Pay balance in full

Security is our priority

This site uses state-of-the-art cryptographic algorithms during data transmission (industry standard TLS with AES from 128-bit and up) and in our databases (encryption with unique keys). Data is hosted on Amazon AWS infrastructure configured to meet SAS70, ISO 27001 and PCI DSS Level 1 certifications with 24x7 monitoring.

Frequently Asked Questions

Where do I find the Account Number for my account?

The Account Number should be clearly identified in our invitation to resolve your debt online. If you cannot locate or do not know the Account Number, please Read more... contact us. Read less...

What if my Account Number and SSN don't work?

Confirm you have correctly entered the Account Number and the last 4 digits of your SSN. If you still cannot log in, your information may be incorrect or the special opportunity may Read more... have expired. In that case, please contact us to find out why you cannot log in. Read less...

Which option is right for me?

Only you can decide which option is best for you to resolve your debt. In reviewing the available options, make sure to select an option and payment that you truly can afford. Should Read more... you miss a payment, the agreement may be voided and full balance may be due. Consider if you can afford to pay the full balance today, defer the payment by a few days, or pay it over monthly payments. If paying your account in full is not an option right now, you may, if available, offer to resolve your account for less than what you owe. Read less...

What if I don't have money right now?

Even if you don’t have enough money to satisfy your account today, there may still be options available. For instance, consider making more affordable monthly/semi-monthly/weekly/bi-weekly Read more... installments and if possible, defer the first payment. Or, see if you qualify to resolve your account for less than what you owe. Read less...

Can I really resolve my debt for less than the balance?

Yes! If you are presented with an option to negotiate to pay less, any reasonable offer to settle your account for less will be considered. Please begin the negotiation process by presenting Read more... a reasonable offer to settle, or it may not be accepted. If the offer is reasonable, we will come back with up to 3 counter offers. You may choose to accept one of our counter offers, or you can choose to make another offer. Read less...

How much should I offer to resolve my debt for less?

Any reasonable offer to settle your account for less will be considered. The offer that you make to settle should represent a reasonable percentage of the balance owed. A reasonable Read more... offer will be accepted, or we may come back with up to 3 counter offers. You may choose to accept one of our counter offers or make us another offer. Read less...

What is a Counter Offer?

A counter offer is an alternative resolution amount that may be presented back to you if your original offer was not accepted. You may receive up to 3 counter offers each time. To resolve Read more... your account, you can either accept one of these counter offers or present a different amount. Read less...

Over how many payments can I resolve my account?

The range of monthly period(s) to resolve your account varies by each account. The system will not allow you to set up payment arrangements beyond a permitted range. Consider what you Read more... can realistically afford to pay according to your payroll frequency. Remember that if you miss a payment or are late in paying, the agreement may become null and void. Make sure that you feel confident about your ability to pay the agreed upon scheduled amount each monthly period for the entire term of the agreement. Read less...

What payment methods do you accept?

Visa, Mastercard, American Express and Discover debit or credit cards are allowed.You may set up direct withdrawal from your savings or checking account.

When are the payments withdrawn?

The first payment will be processed on the date that you select. Payments made outside regular business hours may be posted on the next business day. If more than one payment is set Read more... up, the payment will automatically occur on the same date each monthly period thereafter. Should the payment fall on the 29^th, 30^th or 31^st of the month and that date does not exist in an upcoming month, the scheduled payment will be withdrawn on the next business day (usually the 1^st of the following month). You may review your account status online by logging into your account at any time to verify payment receipt and posting. Read less...

What happens if I am late in making a payment towards my resolution?

Should we receive a late payment, the agreement may be considered null and void. The full balance, less any payments applied to the account, may be due. If you anticipate being late Read more... with a payment, please contact us before the scheduled payment is due to discuss what options may be available to you. Read less...

What happens if I miss a payment after I have agreed to resolve my account?

Your agreement to resolve the account is based on all payments being received on time. Should you miss a payment, the agreement may become null and void. The full balance, less any Read more... payments applied to the account, may be due. If you anticipate missing a payment, please contact us before the scheduled payment is due to discuss what options may be available to you. Read less...

Will I pay taxes on the amount of debt forgiven?

We do not provide tax advice. The following is for general information purposes only. The discharge of indebtedness may be considered taxable income. Resolutions that result in debt Read more... forgiveness of an amount equal to or greater than $600 may be reported to Internal Revenue Service. As to whether you will have a tax consequence is based on your specific financial situation at the time of the account resolution. For more information, visit www.irs.gov or seek the advice of a tax professional or other qualified advisor. Read less...

Didn’t find your answer? Feel free to send a question our way.