Discovery is designed to help you make an informed decision and for us to determine what programs you qualify for. We will dive deeper to understand your goals and situation, review your professional credit report, and create your financial snapshot to review options.

    We provide face-to-face, video, and phone consultations to accommodate your scheduling needs.

    Our Reset program fee is based on a percentage of what you owe and the number of accounts you have. Your total cost is approximately 50% of what you owe, which includes our fee and paying off your creditors. For our Rebuild and Refocus programs, it depends on what you need to be serviced.

    No, initially we will review your credit report and then determine if there are additional documents required.

   It will take about 45-60 minutes.

    Your financial snapshot during discovery will help us determine program duration. We like to develop a base strategy and identify opportunities to accelerate so that you graduate faster.

    Your credit scores may have already been negatively affected. The more balances you accumulate, the more your scores will drop as it reaches credit limits.

    When you complete our Reset program, your credit scores will typically range 620-650 and with our Rebuild guidance, it will take about 3-11 months to reach 700+.

    We can not advise you to not pay your credit cards. However, we recommend you prioritize capital towards essentials such as housing, food, and transportation costs. We will help determine options once we complete your budget.

    Yes, we have Refocus resources that may be able to help you reach your goals faster.

    Debt consolidation is obtaining one loan to pay off many other creditors. Debt settlement is when the debtor and creditor agree on a reduced balance that will be regarded as payment in full.


    We are a local business and have the capabilities to meet with clients face-to-face. We are a boutique firm and proactively work with clients to Reset debt as quickly as possible.

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