Faqs

We provide an educational document review service for consumers who are currently enrolled in, or were previously enrolled in, debt-settlement programs.

We review the documents you provide (such as agreements, fee schedules, payment histories, and any settlement letters) and organize the information into a clear timeline so you can better understand how and when fees were charged and what activity is documented.

Our service is designed to provide clarity and education, not outcomes.

Many consumers feel confused after enrolling in a debt-settlement program because:

  • fees may start before visible progress

  • timelines are unclear

  • documentation is hard to interpret

  • statements don’t match expectations

We help by organizing and summarizing what your documents show so you can make more informed decisions.

This service is intended for people who:

  • enrolled in a debt-settlement or debt-relief program

  • have paid fees or are currently paying fees

  • feel confused or uncertain about how fees were charged

want clarity before taking any next steps

This service is not for people who are looking for:

  • debt negotiation

  • legal advice

  • refund guarantees

  • creditor communication

  • lawsuits or claims management

We do not provide those services.

No. We are not a law firm, and we do not provide legal advice or legal opinions.

No. We do not negotiate debts, manage settlement programs, or contact creditors or debt-settlement companies.

No. We do not determine legality, violations, or compliance. Our role is to organize and summarize documents and timelines for educational purposes only.

We do not recover money, demand refunds, or guarantee any financial outcomes.

We provide educational reports that may help you decide what options you wish to explore on your own.

No. We do not contact creditors, debt-settlement companies, or third parties on your behalf.

Common documents include:

  • Enrollment agreement

  • Fee schedule or disclosures

  • Payment history (bank, escrow, or trust statements)

  • Account status updates

  • Settlement letters or emails (if any)

  • Program welcome packets or dashboards

You don’t need to have everything. We work with what you can provide.

That is very common.

We will review what you submit and clearly note which documents are present and which appear to be missing.

  1. We confirm receipt

  2. We review and organize the documents

  3. We create a timeline summary

You receive a written educational report

You will receive a written report that typically includes:

  • a summary of documents reviewed

  • a timeline of enrollment, fees, and documented activity

  • observations based on the documents

  • neutral educational explanations

optional self-advocacy resources

Most reviews are completed within 3–5 business days after all documents are received.

We charge a flat fee of $299 for an educational document review.

There are no subscriptions and no ongoing obligations.

The fee includes:

  • document review

  • timeline organization

  • written educational summary

  • secure document handling

optional informational support resources


Because this is a professional document review service, fees are generally non-refundable once work has begun. Full terms are available on our Terms of Service page.

Yes. Documents are submitted through secure forms and handled confidentially.

No. Please do not share Social Security numbers, full bank account numbers, or passwords in chat. Use our secure upload form instead.

Because this is a professional document review service, fees are generally non-refundable once work has begun. Full terms are available on our Terms of Service page.

Your report is intended to help you:

  • understand what your documents show

  • clarify timelines

  • decide whether you want to seek independent legal, financial, or consumer-protection guidance

We do not direct or recommend specific actions.

Yes. We offer optional informational calls to explain how our educational review works and answer general questions about the process.

These calls are not legal or financial consultations.

Click “Review My Documents” and complete the intake form.

Fee timing and settlement activity are often documented separately. Reviewing the agreement, payment history, and written communications usually provides clearer answers than assumptions.

We cannot determine legality or compliance. We focus only on educational document review.

We do not provide advice on what actions you should take. We provide information so you can decide next steps for yourself.

That can happen. A report showing no issues based on the documents reviewed is still a valid and useful outcome.