To begin, we usually prepare cease and desists so that the creditors will stop harassing you. Once you are about 90 days delinquent, that is when we start negotiating.
We always get your permission before an agreement is made with the creditor, and once we do, we settle the account. We then proceed to move forward with all other accounts with weekly follow ups. We fight for you to get all accounts resolved.
Once all accounts are settled, we run credit and confirm all has been updated on the credit report. We will then work with you with budgeting advice and some advice on how to maintain the best credit score to get you back on a healthy financial path.