Tryascend.com
Ascend
Tryascend.com
Ascend

Analysis and Insights Page

Insights: We ran our debt relief comparison calculator and are 60% confident that Debt Settlement may be the best option for you. Recommendation information incomplete. See below. The reasons for our confidence is below. Please note this is an estimate based on the data provided and our knowledge of your creditors at the time this was taken. Actual results may vary.

1) Compare Fees and Timeline

Estimate Debt Settlement Chapter 13 Debt Payoff
Total to Unsecured$17,500$35,000$35,000
Total Fees and Interest$5,250$17,887$15,800
Total Cost To You$22,750$52,887$50,800
Monthly Payment$495$1,469$794
Debt Free Date46 Months36 Months64 Months

2) Debt Settlement Options

PartnerEst. Monthly PaymentDebt IncludedBBB GradeTerm LengthEasy Submit
Oak View Law Group$495$35,000A-46
Oak View Law Group$669$35,000A-34
3) Debt Settlement Plan Estimate
46 Month Plan
Estimated Monthly Payment
$495
for 46 months
Your Monthly Payments*
Program fee$114
Administrative fee$0
Settlement amount$380
Total Debt$35,000
Total Paid$22,750
Total Saved$12,250
Assumptions
  1. Settlement percentage of 50% of enrolled debt if no creditors added. Creditor specific estimates if creditors provided. Results may vary
  2. All creditors will negotiate for a settlement. Results may vary by creditor
  3. Fees and interest included in settlement percentage
  4. For tax solvent, we estimate the amount saved * 22% federal income tax bracket for "Estimated Tax"
40 Month Plan
Estimated Monthly Payment
$569
for 40 months
Your Monthly Payments*
Program fee$131
Administrative fee$0
Settlement amount$438
Total Debt$35,000
Total Paid$22,750
Total Saved$12,250
Assumptions
  1. Settlement percentage of 50% of enrolled debt if no creditors added. Creditor specific estimates if creditors provided. Results may vary
  2. All creditors will negotiate for a settlement. Results may vary by creditor
  3. Fees and interest included in settlement percentage
  4. For tax solvent, we estimate the amount saved * 22% federal income tax bracket for "Estimated Tax"

4) Lawsuit Likelihood

Missing creditor data. Please provide your creditor information and balance to find your updated lawsuit likelihood estimates.
Creditor Name Approximate Balance
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  • Equitable Finance Company
  • Westamerica Bank
  • Revere Health
  • EPIC Emergency Physicans Integrated Care
  • American Fork Ambulance
  • PECO Energy Company
  • EPIC Emergency Physicians Integrated Care
  • North Valley Emergency Physicians
  • LendUp
  • Virginia National Bank
  • CAN Capital
  • Funding Circle
  • IOU Financial
  • Physician and Dentists Credit Bureau
  • Advance America
  • National Grid
  • Silver Cloud Financial
  • Real Time Resolutions
  • Fundation
  • The Medve Group Apartments
  • Sherman Financial Group
  • TEMPOE
  • Kia Motors Finance
  • Tower Loan
  • CenturyLink
  • Farmers State Bank
  • Aqua Finance
  • Suntrust Bank
  • Discover Credit Card
  • Hugh John Gibson Atty at Law
  • First Franklin Financial
  • Whittier College
  • American Express (Amex)
  • Zion Financial Planning
  • Governor's Place the Lenox Apartments
  • Boston Interiors
  • Villas De La Cruz Apartments
  • Santander Bank - Auto Loan
  • First Citizens Bank
  • Dollar Loan Center
  • Ballad Health
  • The Promenade at Berkeley
  • Silver Spring Emergency Physicians
  • Midwest Imaging Professionals Llc.
  • Baptist Health Lexington
  • Charter Communications
  • Mr. Amazing Loans
  • Big Lots
  • Missouri Department of Revenue
  • California Franchise Tax Board
  • Echelon Apartments
  • LendingUSA
  • Indiana University Health
  • Maryland Oral Surgery of Silver Spring
  • Resurgence Financial LLC
  • First Saving Credit Card
  • Parks of Northside Apartments
  • Dr. Cary J. Bortnick, MD
  • B & a Associates LLC (21 Kristin Place Apartments)
  • Tan Oak Lending
  • Woodforest National Bank
  • Invitation Homes Apartments
  • Maverick Transportation LLC
  • First Hawaiian Bank
  • Helzberg Diamonds
  • ReliaMax - Private Student Loan
  • Arvest Bank
  • Bank of Montreal (BMO)
  • The University of Memphis
  • Copperfield North Apartments
  • First Electronic Bank
  • Pecan Creek Emergency Physicians
  • Main Street Renewal LLC
  • Texas Health Physicians Group
  • Alexan Las Colinas Apartments
  • Dimension Funding LLC
  • Ulta Rewards Mastercard
  • Connect Bank
  • ACS - Private Student Loan
  • ACS - Federal Student Loan
  • Conduent Education Services - Federal Student Loan
  • American Education Services - Private Loan (AES)
  • American Education Services - Federal Loan (AES)
  • Naugatuck Valley Radiology Associates
  • Oklahoma Gas & Electric Company (OG&E)
  • San Diego Gas & Electric
  • First Virginia Bank
  • Banco Popular Credit Line
  • Labcorp
  • First Progress Card
  • Bryant State Bank
  • Public Service Enterprise Group (PSE&G)
  • Key Bridge Medical Revenue
  • Madison at River Sound Apartments
  • Bankers Healthcare Group
  • Morgan Properties
  • Asset Acceptance Capital Corporation
  • Antech Diagnostics
  • Small Business Administration (SBA)
  • Intrust Bank by American Express
  • Intrust Bank by Elan
  • Medical Data Systems Inc
  • Nelnet - Federal Student Loan
  • Big Picture Loans
  • Blue Pine Lending
  • Rocket Loan
  • Progressive Insurance
  • RSVP Loans
  • Jora Credit
  • Troy Capital, LLC
  • Collins Asset Group
  • Collins Financial Services
  • Precision Recovery Analytics
  • Gettington
  • Lobel Financial
  • Sierra Auto Finance
  • Oliphant Financial
  • Military Star
  • Platinum Triangle Apartments
  • Tractor Supply Co
  • Grande Communications
  • Bureaus Investment Group
  • Lake View Apartments
  • 1st Franklin Financial
  • Glen Oak Apartments
  • Spurlock Realty
  • Velocity Investment LLC
  • PRA Portfolio Recovery Associates
  • Washington Mutual Bank
  • National Collegiate Trust - Federal Loan
  • GreenSky
  • American Credit Acceptance - Auto Loan
  • Credit Acceptance - Auto Loan
  • Ally/Ollo Financial
  • Atlantic Stewardship Bank
  • Lending Club
  • Texas Health - Plano
  • 1st Financial Bank USA in SD
  • CashNetUSA and Net Credit
  • Wellons Realty
  • Southwest National Bank
  • First Bankcard
  • Bank of Hawaii
  • Santander Bank - Unsecured Personal Loans
  • Santander Bank - Sphere Card
  • Strayer University
  • Intermountain Healthcare
  • Union Bank
  • Credit First NA (CFNA)
  • Sallie Mae - Federal Loan
  • Spring Hill Imaging
  • Persolve LLC
  • Jefferson Capital Systems, LLC
  • Bruce Conway MD
  • Austin Regional Clinic
  • Merrick Bank
  • Aspire
  • Springleaf Financial
  • Trinity Medical Group
  • Mid America Bank & Trust Milestone Card
  • Optimum Outcomes (Medical)
  • Cash Converters
  • Spotloan
  • State Farm Credit Card
  • First Cash Advance
  • Best Egg
  • Mariner Finance
  • Eagle Loan
  • Bealls
  • GASTROENTEROLOGY CONSULTANTS
  • CENTURY REGIONAL HEALTHCARE
  • CorTrust Bank
  • Republic Bank & Trust Company
  • Upromise - Credit Card
  • Personify Financial
  • Fortiva Credit Card
  • NBT Bank - Credit Card
  • M&T Bank
  • Freedom Financial
  • World Finance
  • Crescent Bank and Trust
  • Department Stores National Bank (DSNB)
  • Quebec Province Student Loan
  • Royal Bank of Canada
  • Security Auto Loans
  • Nordstrom Credit Card
  • Sterling Jewelers (Jared)
  • Speedy Cash
  • American Web Loan
  • Opportunity Finance
  • Navient Corporation - Federal Loan
  • Fingerhut
  • Indigo
  • Mobiloans
  • Republic Finance
  • General Electric Money Bank
  • Pioneer Financial Services
  • Umpqua Bank
  • Republic Bank of Kentucky
  • Dr Paul Montalbano
  • Access Group Education Lending
  • National Collegiate Trust - Private Loan
  • KwikCash
  • Marketplace Loan Trust
  • PNC Bank
  • Knights Circle
  • Liberty Lending
  • Marcus by Goldman Sachs
  • Bank of the West
  • Ford Motor Credit Company
  • Nationstar Mortgage
  • North Star Mortgage and Realty
  • Gordmans
  • JCPenney
  • FIA Card Services, N.A.
  • Tidewater Motor Credit
  • Target National Bank
  • Realty & Mortgage Co
  • Webster Bank
  • Swift Transportation
  • Affirm
  • Erie Insurance
  • BMO Harris Bank
  • First National Bank of Omaha
  • Macy's Store Card
  • Fidelity
  • Comenity Bank - Dell Financial Services
  • Synchrony Bank - PayPal
  • Comenity Bank - Pottery Barn Credit Card
  • Maurices Credit Card
  • Justice Credit Card
  • Woman Within Credit Card
  • TD Bank USA
  • Credit One Bank
  • LoanMe
  • Elan Financial
  • First Premier Bank
  • Lendmark Financial Services
  • First Command Bank
  • First Interstate Bank
  • Continental Finance Company
  • MidAmerica Bank & Trust
  • Regions Bank
  • Nebraska Furniture Mart
  • Navient Corporation - Private Loan
  • Sallie Mae - Private Loan
  • Kay Jewelers
  • Southeast Toyota Finance
  • West Tennessee Healthcare
  • Majestic Lake Financial, Inc
  • CashCity
  • MaxLend
  • Western Alliance Bank
  • AmeriCash
  • Client Services
  • Helvey and Associates
  • ACB Receivables Management
  • AM Mortgage Brokers
  • AMO Recoveries
  • Academy Collection Service, Inc.
  • Accelerated Recovery Services, Inc.
  • Account Management Services
  • Account Recovery Bureau
  • Account Solutions Group
  • Action Collection Services
  • Advanced Call Center Technologies, LLC
  • Advanced Credit Recovery, Inc.
  • All American Financial Associates
  • All Debt Traders, LLC
  • Alliance One, Inc
  • AmSher Receivables Management
  • American Acceptance
  • American Coradius International
  • Farmers National Bank
  • Conns Credit Corp Inc
  • American Credit Collections, LLC.
  • American Credit Services
  • American Debt Services
  • American Legal Recovery
  • Ameriquest Recovery Services
  • Anchor Receivables Management
  • Anderson Financial Network, Inc. (AFNI)
  • Ariel Financial Services
  • Arrow Financial Services
  • Ascent Card Services, LLC
  • Asta Funding
  • Business & Professional Collection Service, Inc
  • Berks Credit Collections
  • Resurgent Capital Services
  • Budget Control Services, Inc
  • The Bureaus, Inc.
  • CKS Financial
  • CBE Group
  • CMC Recovery Services, Inc.
  • CMG Recovery Services
  • CRF Solutions
  • California Business Bureau, Inc.
  • California Financial Credit Association
  • California Recovery Bureau, Inc.
  • Capital Credit Services, Inc.
  • Capital Management Services
  • Capital Recovery Services Group
  • Century Credit & Collections
  • Capital Accounts LLC
  • Cashnet500 d/b/a Global Cashnet d/b/a D.R.G. & Associates
  • Chase Receivables
  • Check Recovery System
  • Check and Credit Reporting, Inc.
  • Check and Merchant Services
  • Civil Claims Asset Investigative Services
  • Claims America, LLC
  • Client Services, Inc.
  • Coastal Mitigation Associates
  • Coface Collections North America, Inc (CCNA)
  • Collect America, CACV aka CACH, LLC
  • Collectech Systems, Inc.
  • Consumer Credit Association
  • Corporate Receivables
  • Cred X Debt Recovery, LLC
  • Credit Collection Service
  • Focus Financial Services
  • Credit Management Control
  • Credit Recovery, dba as Boivin, Lawrence R., Lawyer
  • Credit Services, FAIC
  • Credit Systems International
  • Creditors Alliance, Inc.
  • Creditors Financial Group
  • Creditors Interchange Rcvble Mgmt, LLC
  • Delmarva Collections, Inc.
  • Diversified Receivable Solutions
  • E-Renter USA Ltd.
  • Eastern Asset Management
  • Educational Credit Management Corporation, MA (ECMC)
  • Empire Recovery Group
  • Encore Receivable Management
  • Endeavor Financial Partners, LLC
  • Federal Bond & Collection Service (FBCS)
  • Gateway Mortgage
  • Federal Credit Recovery/FCR Offices
  • Federal Processing Services, Inc.
  • Fidelity Information Corporation
  • Financial Recovery Services, Inc.
  • First National Collection Bureau, Inc.
  • Gemini Recoveries, Inc.
  • Genesis Financial Corp.
  • Global International, Inc.
  • Go-More Financial, Inc.
  • Great Lakes Collection Bureau, Inc.
  • HRRG (Healthcare Revenue Recovery Group, LLC)
  • Healthcare Collections Specialists
  • Hillcrest Credit Agency
  • Houston Funding Corp.
  • IQ Data (also doing business as Rent Collect Global)
  • ISA Acceptance Corporation
  • Integrity Resolution Group, LLC
  • JNR Adjustment Company, Inc.
  • LDG Financial ServicesII, LLC
  • Lead Resources of America Inc
  • Leading Edge Recovery Solutions
  • Leasecomm Corporation
  • Magnus Services, Inc.
  • Marauder Corporation
  • Monterey Bay Collection Agency, Inc.
  • NCC Business Services, Inc.
  • National Acceptance
  • National Action Financial Services, Inc.
  • National Asset Management
  • National Asset Services Co
  • National Attorney's Network
  • National Bureau of Collections, Inc.
  • National Credit Works, Inc.
  • National Enterprise Systems
  • National Financial Systems
  • National Recovery Group
  • National Revenue Corporation
  • Nationwide Credit, Inc.
  • New Horizon Credit, Inc.
  • Niagara Credit Solutions Inc.
  • North American Collectors, Inc.
  • PCS, Inc.
  • Peak Financial Services, LLC
  • Pioneer Credit Recovery, Inc.
  • Platinum Recovery Solutions, Inc.
  • Plaza Associates
  • Praxis Financial Solutions, Inc.
  • Prime Asset Recovery, Inc.
  • Pro Collect, Inc.
  • Regional Adjustment Bureau, Inc.
  • Reliant Recovery Services, Inc.
  • Reynolds & Jacobson, Attorneys
  • Security Credit Corporation
  • Security Credit System
  • Southern Tier Agency, Inc.
  • Systematic National Collection
  • The Receivable Management Services Corporation (RMS)
  • TrueLogic Financial Corp.
  • United Abstract Group, Inc.
  • United Consumers Inc.
  • United Legal Corporation
  • Universal Filing Services, Inc.
  • Van Ru Credit Corp
  • Vision Financial Services
  • West Asset Management Inc.
  • Zenith Acquisition Corp.
  • Vital Recovery Services, LLC
  • Butte County Credit Bureau
  • Enhanced Recovery Corporation (ERC)
  • American Recovery Service Incorporated (ARSI)
  • Northstar Location Services
  • Holloway Credit Solutions, LLC
  • Ad Astra Recovery Services Inc - CCFI
  • Weltman, Weinberg & Reis Co., LPA
  • Professional Finance Company
  • Southern Management Systems
  • American Education Services
  • National Credit Systems Inc
  • Accounts Receivable Management
  • Accounts Recovery Solutions
  • Allied International Credit
  • NCB Management Services
  • Unifund Partners Collections
  • Reliance Recoveries
  • Knight Adjustment Bureau
  • Velocity Investments
  • Other Collection Agency
  • Receivable Management Group
  • Rent Recovery Solutions
  • Viking Client Services Inc.
  • Renton Collections Inc.
  • NES of Ohio
  • Systems & Services Technologies Inc
  • Westmoreland Agency
  • First Financial Asset Mgmt
  • Credit Corp Solutions
  • Caine and Weiner
  • EGS Financial Care, Inc.
  • True Accord
  • Stoneleigh Recovery Associates LLC
  • Firstmark Services
  • General Revenue Corporation
  • Receivable Solutions
  • Ascendium Education Solutions
  • Amarillo National Bank
  • Rushmore Service Center
  • IBI Consumer Credit
  • Diversified Consultants, Inc.
  • Alpha Recovery Corp
  • Diversified Adjustment Service, Inc.
  • Source Receivables Management (SourceRM)
  • Educators Credit Union
  • Forster & Garbus LLP
  • Shermeta Law Group
  • Allen & Withrow
  • Clarkson Law Firm, LLC.
  • Nathan & Nathan, P.C.
  • Stewart, Zlimen & Jungers, Ltd
  • Smith Debnam Narron Drake Saintsing & Myers, LLP
  • Apothaker & Associates
  • Cooling & Winter LLC
  • DeGrasse Law Firm, P.C.
  • Solomon & Solomon PC
  • Stenger & Stenger
  • RAS LaVrar, LLC
  • Schreiber/Cohen, LLC
  • Glasser & Glasser
  • Mandarich Law Group, LLP
  • Kenosian & Miele, LLP
  • The Dunning Law Firm
  • Patenaude & Felix
  • Lustig, Glaser & Wilson, P.C
  • Roosen, Varchetti, and Olivier, LLC
  • Lloyd & McDaniel, PLC
  • Suttell, Hammer and White
  • Erskine & Fleisher Law Offices
  • Patrick A. Carey, P.A.
  • Quall Cardot, LLP
  • Machol & Johannes LLC
  • Anderson & Price, P.C.
  • SouthLaw PC
  • Brock & Scott PLLC
  • Scott & Associates, PC
  • Rausch, Sturm, Israel, Enerson & Hornik, LLC
  • Hunt & Henriques
  • Eltman Law, PC
  • Relin Goldstein & Crane LLP
  • Winn Law Group
  • Bleier & Cox LLP
  • The Moore Law Group
  • Gurstel Law Firm
  • Zwicker & Associates, P.C.
  • Worldzen Collections and Recovery LLC
  • Worldwide Asset Purchasing, LLC
  • Windham Professionals, Inc.
  • Williams & Fudge
  • Westmoreland Agency/Capital One Bank
  • Logix Federal Credit Union
  • Weinberg, Stanley & Associates
  • Weber and Olcese Attorneys and Counselors
  • Viking Collection Service Southwest
  • Vasques, Louis, Law Office of
  • Valentine & Kebartas, Inc.
  • VRM Collections – Vigden Receivables Management
  • Universal Fidelity
  • United Recovery Systems
  • United Portfolio Services Group
  • United Collections Bureau
  • Unifund Group Corp.
  • Trident Financial Network
  • Triadvantage Credit Services
  • Tri-Financial
  • Trauner, Cohen & Thomas
  • Transworld Systems Inc
  • Trak America Enterprises, LLC
  • Titan Recovery Group, LLC
  • The Lambardo, Davis & Goldman Firm
  • Tek Collect
  • Taylor, Jay A. P.C. Attorney
  • Superior Asset Management
  • Sunrise Credit Services
  • Streeter, Sam W., Lawyer
  • Sterling & King, Inc.
  • State Predisposition Office
  • Specified Credit Association
  • Smith, Rouchon, and Associates – Mississippi
  • Smith, Rouchon, and Associates – Alabama
  • Scott, Michael J., PC
  • Scott L Feldman
  • Schwartz & Silverstein, LLP
  • Scherr, Harold E. , Attorney
  • SRA Associates
  • SC Associates
  • S & S Recovery
  • Rosenthal, Stein and Associates
  • Rosenthal, Morgan and Thomas, Inc.
  • Rosenthal & Colby, Inc.
  • Roach, Larry, Law Offices of
  • Riddle & Associates
  • Revenue Reporting Service
  • Resurgence Financial, LLC
  • Reliant Capital Solutions
  • Regent Asset Management Solutions
  • Regent & Associates, P.C.
  • Redline Recovery Services, LLC.
  • Rannefeld, Blue W. Attorney
  • Ranieri, Christopher, Law Office of
  • RJM Acquisitions, LLC
  • Quadrant Group LLC – The Recycle Shop
  • Progressive Management
  • Pride Recovery Services
  • Pressler & Pressler, LLP
  • Portfolio Management of Amherst, LLC.
  • Portfolio MG, LLC (PMG)
  • Pinnacle Financial Group
  • Pinnacle Asset & Capital Management Grp, LLC
  • Phillips & Cohen Associates, Ltd.
  • Phillips & Burns, LLC
  • Performance Capital Management
  • Pentagroup Financial, LLC
  • Pennisi, Daniels & Norelli
  • Partners Financial Services
  • Palm Island Services
  • Palisades Collections, LLC
  • Pacific Coast Collections (Alliance One)
  • PMR Law Group
  • Ozark Capital Corporation
  • Oxford Management Services
  • Omnia Credit Services
  • OSI/Outsourcing Solutions
  • O’Neill Management, Inc. Investigators
  • Nu Island Partners, LLC
  • Northwest Mediation Group
  • Northland Group
  • Northern California Collection Service
  • Northeast Credit & Collections
  • North American Asset Recovery
  • North American Asset Investigation Bureau, LLC (NAAIB)
  • New Vision Financial
  • Neuheisel Law Firm, PC
  • Nelson, Watson & Associates, LLC
  • Nationwide Recovery Systems, Ltd. (NRS)
  • Nationwide Capital Recovery
  • Nations Recovery Center
  • NCO Financial Systems
  • Myers & Porter, Attorneys
  • Morgans & Associates, P.C.
  • Moore, Gerald E. & Associates
  • Minority Legal Network
  • Mims, Jerry M., Lawyer
  • Messerli & Kramer
  • Meridian Management Solutions
  • Merchant’s Credit Guide Co.
  • Mendenhall & Associates, Inc.
  • Mel S. Harris & Associates
  • Meadows Law Office – Sheree Meadows
  • McKelvey Law Office
  • Marshall & Ziolkowski
  • MRS Associates, Inc.
  • M. Leonard & Associates
  • Lowery, Scott P., P.C. aka CACH, LLC
  • Love, Beal & Nixon, PC
  • Litigation Consulting Service, LLC
  • Linebarger, Goggan, Blair & Sampson, LLP
  • Lewis Shapiro L.L.C.
  • Lewis Hastie Receivables Inc.
  • Legal Recovery Services, Inc.
  • Legal Recovery Law Offices
  • Lawal and Associates
  • Law Offices of David S. Dufek
  • The Law Center
  • Lang, Richert & Patch
  • LTD Financial Services, L.P.
  • Kretschman, Brenda Lee
  • Koparr Paralegals & Associates, LLC
  • Kingman, Cole & Associates
  • Kay, Mitchell N., P.C.
  • Joseph, Ortiz & Epstein, LLC aka Delta Group
  • Javitch, Block & Rathbone LLP
  • Jason Reed & Associates
  • Jacobs Marsh, LLC
  • JJ Keller & Associates
  • J. C. Christensen & Associates, Inc.
  • IMC Credit Services
  • Hull & Associates, P.C.
  • Hudson & Keyse, LLC
  • Hosto and Buchan
  • Hoffman Swartz, and Associates, Inc.
  • Hayt Hayt & Landau
  • Harrison Ross Byck, Esq.
  • Harris and Zide
  • Harker, John W. CACV
  • Haller Harlan Taylor
  • Gutman, Mintz, Baker & Sonnenfeldt
  • Griggs & Associates (G&A Investigative Services) LLC
  • Greenberg & Associates
  • Graham, Noble, & Associates, LLC
  • Grabowski, O’Brien and Associates
  • Goggins & Lavintman, PA
  • Global Recovery Group
  • Global Credit Network
  • Global Acceptance Credit Company (GACC)
  • Giove Law Office, P.C.
  • GMC Credit Services (Glass Mountain Capital)
  • GC Services
  • Fulton Friedman & Gullace LLP
  • Full Circle Financial Services, LLC
  • Frontline Asset Strategies
  • Frederick J. Hanna & Associates
  • Frederick, Goldstein, and Zoe
  • Firstsource Advantage
  • First Revenue Assurance
  • First American Investment Corporation
  • Financial Medical Systems
  • Ficke & Associates
  • Falzone Law Associates
  • FMA Alliance, Ltd.
  • Evans Law Offices
  • Eskanos & Adler, PC
  • Epstein, Roth & Associates LLC
  • Encore Capital Group
  • Edwin A. Abrahamsen & Associates, P.C.
  • Diversified Collection Services (DCS)
  • Delta Group aka Joseph, Ortiz & Epstein, LLC
  • Daniels & Norelli, P.C.
  • DNI Recovery Ezelle Williams & Associates
  • Costal Asset Management Group
  • Corbett Law Office – Patrick Michael
  • Consumer Recovery Associates
  • DECA
  • Collins Law Office
  • Cohen & Slamowitz, LLP
  • Channing & Associates
  • Caferella, Jason J., Attorney
  • CRS Capital Recovery Services
  • C. Water Recoveries
  • C. Barry & Associates, LLC
  • Burke, Edward T. & Assoc, P.C.
  • Burgess, Douglas R.
  • Burak, Donald S. Attorney
  • Buffaloe & Associates, Lawyers
  • Brumbaugh & Quandahl, PC
  • Bronson, Cawley & Bergmann, LLP
  • Bronson & Migliaccio, LLP
  • Brachfeld & Associates, P.C.
  • Booth and Associates
  • Booska, Steven A.
  • Blatt, Hasenmiller, Leibsker & Moore
  • Bishop, White, Marshall, & Weibel, PC
  • Bennett & DeLoney, PC.
  • Baumann Law Firm
  • Bass and Associates
  • Barnes, Curtis, O. Con-America
  • Bamford, Thomas K./Elder, Timothy L
  • Baker, Lawrence, Attorney
  • Aurora, Gold & Associates, LLC
  • Associated Recovery Systems
  • Asset Recovery Associates
  • Asset Acceptance Corp. or Midland Credit Management Inc
  • American Legal Services, PC
  • Allen, Lewis & Associates, Inc
  • Database System Corp.
  • Michaels & Assoc
  • Dignity Health - St. Rose Dominican
  • Grant & Weber, Inc.
  • AmerAssist
  • Capital Collection Management
  • Synchrony Bank - Collection
  • Wells Fargo Business
  • CapexMD
  • Nissan Motor Acceptance Corporation
  • Haband Credit Credit
  • Consolidation Plus
  • Pritchard Law Firm
  • ISPC Financing
  • Pollack & Rosen
  • Herschel C Adcock Jr Law Office
  • AAMS-Automated Accounts Management Services
  • Aargon Collection Agency
  • Ability Recovery Services
  • Account Control Bureau
  • Accounts Receivable Clearing House
  • Prime Lending
  • Adjustment Bureau
  • Advance Collection Bureau
  • AFNI Collections Agency
  • Ag International Service
  • Alliance Collections Agencies, Inc
  • Allied Business Services
  • Allied Collection Services
  • Alpine Credit Inc.
  • Amcol Systems Inc
  • American Financial Solutions
  • American Capital Enterprises
  • American Credit Bureau, Inc
  • Americollect, Inc
  • Credit Manegement Company
  • Apex Asset Management, LLC
  • AR Resources
  • Arbor Professional Solutions
  • Arrowhead Collections Inc
  • Arstrat
  • BrightHouse Financial
  • Asset Management & Recovery
  • ATG Credit LLC
  • Atlantic Credit & Finance
  • Avante
  • AWA - Adler Wallach & Associates
  • Bay Area Credit Service
  • Best Service Company
  • Bonded Collection
  • Bonneville Collections
  • Bull City Financial Solutions
  • Bureau of Medical Economics
  • Business & Professional Collection Service
  • California Business Bureau
  • Capio Partners LLC
  • Cavalry Portfolio Services
  • CBA Collections (Collection Bureau of America)
  • CCI Contract Callers Inc
  • CCS - credit collection services
  • Central Credit Services
  • Central Finance Control
  • Certified Recovery
  • Choice Recovery
  • CIB Collection Inforamtion Bureau
  • One Main Financial
  • Clark County Collection Services
  • CMRE Financial Services
  • Collection Associates
  • First Tech Federal Credit Union
  • Collection Bureau Inc
  • Collection Bureau of America
  • Collection Bureau of Ft. Walton
  • Collection Consultants
  • Collections Services of Athens, Inc
  • Collections Unlimited
  • Collins Assets Group
  • Columbia Collectors Inc
  • Comenity Bank Accounts
  • Commercial Acceptance Company
  • Commercial Collection Bureau
  • Commonwealth Financial System
  • Consumer Collections Management
  • Continental Central Credit
  • Continental Credit
  • Convergent Outsourcing
  • Credence Resource Management (Credence RM)
  • Credit Bureau Services of Iowa
  • DirecTV
  • Credit Control Service, Inc
  • Escalate Capital Partners
  • Credit Management LP
  • Credit Protection Association
  • Credit Solutions LLC
  • Alabama Surgical Associates
  • Creditors Bureau USA
  • Creditors' Discount & Audit
  • Debt Recovery Solutions, LLC
  • Designed Recievable Solutions
  • Carrington Mortgage Services
  • Diversified Consultant
  • Emerald AR
  • Express Recovery Srvs
  • FAS - Financial Adjustment Services
  • FCO Fair Credit Outsourcing
  • FFCC - first federal credit control
  • Fidelity Creditor Service
  • Finance Systems Inc
  • Financial Credit Network
  • Financial Credit Services
  • First Federal Credit
  • FMS - First National
  • Focus Receivables Management
  • Fox Collection Center
  • Franklin Collection Services
  • Frontier Collections
  • General Business Recoveries
  • General Collection Co
  • Gold Key Credit Inc
  • JC and Associates
  • Gulf Coast Collection
  • H&R Accounts, Inc
  • Harvard Collection Services
  • Hauge Associates
  • Hospital Collection Services
  • Hunter Warfield
  • IC Systems Inc
  • Investment Retrievers, Inc
  • IQ Data International
  • Huntington Bank - Mortgage
  • Kansas Counselors Inc
  • Kenneth, Eisen & Associates, Ltd
  • Komyatte & Casbon PC
  • LJ Ross & Associates
  • LVNV Funding
  • Living Scriptures Inc
  • MBB - medical Business Bureau
  • Medi Credit Corporation
  • Medicredit
  • Mercantile Adjustment Bureau
  • Merchants & Medical
  • Merchants & Professional Credit Bureau, Inc
  • Merchants & Professionals
  • Merchants Association
  • Midland Credit Management
  • Midland Funding
  • Midwest Recovery Systems
  • Midwestern Audit Services
  • Miramed Revenue Group
  • Money Recovery Nationwide
  • NATACC - NAS - national account services
  • Nation Wide Recovery
  • National Business Factor
  • National Credit Adjusters
  • National Credit Audit Corporation
  • North American Credit Services
  • National Healthcare Collections
  • National Recovery Agency
  • Nationwide Recovery Services, Inc
  • Neighborhood Mortgage Solutions
  • Sarma Collections Inc - SCI
  • OAC Collection Specialists
  • Oliver Adjustment Co
  • One Advantage LLC
  • Optima Recovery Services
  • Optimun Outcomes Inc
  • Oshkosh Collection
  • Paramount Recovery Systems
  • Penn Credit Corporation
  • Phoenix Financial Services, LLC
  • Plusfour Inc
  • PMAB
  • RCS Recovery Services
  • Professional Adjustment
  • Professional Credit Collection
  • Professional Debt Management
  • Professional Medical Adjustment Bureau
  • Progressive Ins
  • Progressive Management Systems
  • Puget Sound Collection
  • Quantum Collections
  • Radius Global Solutions
  • Rash Curtis & Associates
  • Receivables Management Group
  • Receivables Management Partners (RMP)
  • Receivables Management Services
  • Receivables Performance Management
  • Renton Collections Inc
  • Resident Collect
  • Retail Merchants Association, Inc.
  • Revenue Recovery Corporation
  • Revsolve, Inc
  • RGS Financial
  • RJM
  • RMP Services LLC
  • RS Clark
  • RSI Enterprises Inc
  • RSI MD
  • SCA Collections Inc.
  • Scana Energy
  • Sequium Asset Solution
  • State Collection Services
  • Statewide Collection
  • Stellar Data Recovery Inc.
  • Stern Recovery Services
  • The Bureaus Inc
  • Thunderbird Collections (T-Bird Collections)
  • HP Sears
  • Trident Asset Management
  • Unique Credit Collection
  • United Collection Bureau - Dept Economics
  • United Credit Services
  • United Revenue Corp
  • United We Collect, Inc
  • US Collections West Inc.
  • US Recovery Services
  • USCB, Inc
  • Valley Credit Service Inc
  • Wakefield & Associates
  • Waypoint Resource Group
  • Arstrat Collection
  • Stanislaus Credit Control Service
  • Town Center Bank
  • Barclays Bank
  • US Bank
  • Bank of America
  • Chase Bank - Credit Card
  • USAA Bank
  • First Electric Bank
  • Citibank
  • Prosper Loan
  • Rise Credit
  • Wells Fargo - Card Services
  • Upstart
  • Capital One
  • Synchrony Bank
  • Atlas Personal Finance
  • Kikoff Lending
  • Nelson and Kennard
  • Security Finance
  • Primary Residential Mortgage
  • Regional Finance - Florence AL
  • Covington Credit
  • Monarch Recovery Management
  • X1 Card
  • Belmont Finance LLC
  • Halsted Financial
  • Lending Point
  • Upgrade
  • Happy Money
  • Best Buy
  • Citibank Macys/Bloomingdales
  • AccessOne
  • Crown Asset Management
  • Resurgence Legal Group
  • JP Morgan Chase Bank
  • Security State Bank
  • Vive Financial
  • Discover Personal Loan
  • Mercury Financial
  • SHELLPOINT MORTGAGE
  • Truliant Federal Credit Union
  • Wells Fargo Student Loan
  • GS Bank - Apple Card
  • GS Bank - GM Rewards Card
  • GS Bank - Personal Loan
  • ProFed Credit Union
  • Capital One - Auto Finance
  • Comenity Bank - Gordmans Credit Card
  • Comenity Bank - Maurice
  • Comenity Bank - Meijer
  • Comenity Bank - Victoria's Secret
  • Comenity Bank - Alphaeon Credit Card
  • Comenity Bank - Burlington
  • Comenity Bank - Gardner-White Credit Card
  • Comenity Bank - Ikea
  • Comenity Bank - Overstock Credit Card
  • Comenity Bank - Petland Credit Card
  • Integra Credit
  • Minto Money
  • Birch Loan
  • Altra Federal Credit Union
  • Bridgecrest Credit
  • Community Choice Credit Union
  • Dell Financial Services
  • Concora Credit
  • Kings Credit Services
  • SoFi Bank Personal Loan
  • AVANT CREDIT
  • Mission Lane
  • Acima; Acceptance Now
  • Achieve Personal Loan
  • Goal Financial
  • All South Federal Credit Union
  • Allstate Fire Equipment
  • American Financial Network
  • Arkansas Federal Credit Union
  • Ashro Credit
  • Buckles and Buckles
  • 3 Rivers Federal Credit Union
  • American Heritage Festival
  • Ameris Bank
  • Arizona Federal Credit Union
  • Atlas Credit
  • Austin Capital Bank
  • BB&T
  • BBVA
  • Beach Blvd Automative
  • Bellco Credit Union
  • Marlette Funding - Best Egg Personal Loan
  • Marlette Funding - Best Egg Credit Card
  • Citibank - Bestbuy
  • Bethpage Federal Credit Union
  • Citibank - Big O Tires
  • Blue Federal Credit Union
  • BMW Financial Service
  • Citibank - Bombay Company
  • BSI Financial Services
  • Cal-com Federal Credit Union
  • Capitol Federal Savings Bank
  • Capital One - Menards
  • Capital One - Williams Sonoma WSI
  • CarMax Auto Finance
  • Cash Factory USA
  • Castle Credit Co Holdings
  • Castle Credit
  • Citibank - Meijer
  • Citibank - Wayfair Mastercard
  • Comenity Bank - Bread Cashback
  • Comenity Bank - Bridge IT Inc/Empact
  • Comenity Bank - NTB & Tire Kingdom
  • Comenity Bank - Ross Mastercard
  • Chief Financial Credit Union
  • Chime Financial
  • Chrysler Capital
  • Dovenmuehle Mortgage
  • Citizens Bank
  • Citizens Bank - Auto Finance
  • City Credit Union
  • City National Bank
  • Coastal Community Bank
  • Cobalt Credit Union
  • Comenity Bank - Ashley Stewart Credit Card
  • Comenity Bank - Ann Taylor
  • Comenity Bank - Avenue Credit Card
  • Comenity Bank - Bealls Inc
  • Comenity Bank - Buckle Credit Card
  • Comenity Bank - The Limited Credit Card
  • Comenity Bank - Lane Bryant
  • Comenity Bank - Runway Rewards
  • Comenity Bank - My Pier 1
  • Comenity Bank - Woman Within
  • Comenity Bank - Blair Credit Card
  • Comenity Bank - Bon-Ton Credit Card
  • Comenity Bank - BrylaneHome
  • Comenity Bank - Carsons Credit Card
  • Comenity Bank - Coldwater Creek
  • Comenity Bank - Fashion Bug
  • Comenity Bank- Henri Bendel A-List
  • Comenity Bank - Herberger's
  • Comenity Bank - Jared
  • Comenity Bank - Justice
  • Comenity Bank - Kay Jewelers
  • Comenity Bank - Marathon
  • Comenity Bank - Metrostyle
  • Comenity Bank - Value City Furniture
  • Comenity Bank - Venus
  • Comenity Bank - Wayfair
  • Comenity Bank - Bed Bath and Beyond
  • Comenity Bank - Biglots
  • Comenity Bank - Carters
  • Comenity Bank - Childrens Place
  • Comenity Bank - David's Bridal
  • Comenity Bank - Diamonds International
  • Comenity Bank - Famous Footwear
  • Comenity Bank - Improvements
  • Comenity Bank - JD Williams Card
  • Comenity Bank - Sephora
  • Comenity Bank - Zales
  • Communications Federal Credit Union
  • Comenity Bank - Ultamate
  • Community Trust Bank
  • Communitywide Federal Credit Union
  • Country Door
  • Credit Union One
  • Creekwood Apartments
  • Evolve Bank and Trust - Dave
  • Denefits Inc
  • Discover Student Loan
  • Discover Home Equity
  • Colorado Housing and Finance Authority
  • Don Roberto Jewelers
  • Dort Financial Credit Union
  • Dow Credit Union
  • DSRM National Bank
  • Dupaco Credit Union
  • Easypay Finance - Duvera Billing Services
  • EECU - Educational Employees Credit Union
  • Empeople Credit Union
  • Envoy Mortgage
  • Everwise Credit Union
  • Exeter Finance
  • Citibank - Exxon Mobil Credit Card
  • Fairway Family Dublin
  • Destiny
  • Ferguson Federal Credit Union
  • Fifth Third Bank
  • Financial Plus Credit Union
  • Opploans
  • First Access Visa
  • First Alliance Credit Union
  • First Commonwealth Bank
  • First Heritage Credit
  • First Investors Financial Services
  • First National Credit Card
  • First Security Bank - Overbrook
  • First Security Bank - Paola
  • First Security Bank - Carbondale
  • First Security Bank - Tonganoxie
  • Blaze Credit Card
  • Flagstar Bank - Personal Banking
  • Flagstar Bank - Loan Support
  • Florence Federal Credit Union
  • Flurish - LendUp
  • Forum Credit Union
  • Foursight Capital
  • Friendly Finance
  • Frontier Communications, Collections
  • Genisys Credit Union
  • GINNY'S INC
  • Global Lending Service Collections
  • GM Financial
  • Golden 1 Credit Union
  • Citibank - Goodyear Tire
  • Great American Finance Company
  • Hapo Community Credit Union
  • Harley-Davidson Financial Services
  • Synchrony Bank - Havertys
  • Homepoint Financial
  • Homebridge Financial
  • HSBC MORTGAGE SERVIC
  • Hughes Federal Credit Union
  • Infiniti Financial Services
  • Interra Credit Union
  • Jovia Credit Union
  • JP Morgan Chase Bank - Auto
  • KIA FINANCE AMERICA
  • Kimbrells Furniture
  • Launch Servicing
  • Lead Bank
  • Legacy Cornelius Apartments
  • Lending Bear
  • Liberty Federal Credit Union
  • Liberty Tax and Loans
  • Lincoln Savings Bank
  • Listerhill Credit Union
  • LoanCare
  • Loan Depot
  • Mechanics Bank
  • Michigan First Credit Union
  • Michigan Schools and Government Credit Union
  • Michigan State University
  • Mid America Mortgage Co Inc
  • Mid-Atlantic Finance Company
  • Mission Federal Credit Union
  • Money Lion
  • Citibank - Monro Drive Card
  • Monterey Financial
  • Montgomery Ward
  • Nationstar DBA Mr. Cooper
  • Navy Federal Credit Union
  • State Employees Credit Union
  • New American Funding
  • Noble Credit Union
  • Northpointe Bank
  • Ocwen Loan Serviding
  • Baton Rouge Telco FCU
  • OneAZ Credit Union
  • One United Bank
  • Oportun
  • Palmetto Citizens Federal Credit Union
  • Pampa Municipal Credit Union
  • Pantex Federal Credit Union
  • Partners 1st Federal Credit Union
  • Patelco Credit Union
  • Pennymac Loan Services
  • Flagship Credit Acceptance
  • PenFed Credit Union
  • PHH Mortgage Service
  • Pike County Financial
  • Pinnacle Bank
  • Planet Home Lending
  • Platinum Auto Finance
  • Regional Acceptance Corporation
  • Reliable Credit Association
  • Revvi
  • Rocket Mortgage
  • Roundpoint Mortgage
  • Rushmore Loan Management Services
  • Sable Card
  • Safeco Insurance
  • Scott Credit Union
  • Health Advantage Credit Union
  • Salal Credit Union
  • Scratch Financial
  • Select Portfolio Servicing
  • Self Financial Inc DBA Lead Bank
  • Allied First Bank dba Servbank
  • Seventh Avenue
  • Sezzle Inc
  • Sheffield Financial
  • Citibank - Shell
  • Simmons Bank
  • SkyOne Federal Credit Union
  • Slippery Rock University
  • Space Coast Credit Union
  • Specialized Loan Servicing
  • Spero Federal Credit Union
  • Spire Credit Union - Blaze
  • Medallion Bank
  • Truist Bank
  • Stonegate Mortgage
  • Sun Loan Company
  • Suncoast Credit Union
  • Citibank - Sunoco
  • Swiss Colony
  • Synchrony Bank - Zulily Card
  • Synchrony Bank - ABC Warehouse
  • The Bank of Missouri
  • The Wisconsin Cheese
  • TLC Community Credit Union
  • Tomo Credit
  • Toyota Motor
  • Citibank - Tractor Supply Co
  • Unionbank of California
  • United Auto Credit
  • United Consumer Financial Services
  • United Wholesale Mortgage
  • Uplift Inc
  • Varo Bank
  • Verity Credit Union
  • Washing State Employees Credit Uniom
  • Wells Fargo Auto
  • Wells Fargo Mortgage
  • Wells Fargo - Dillards
  • American Express - Dillards
  • West Community Credit Union
  • Westlake Financial Service
  • Wyndam Consumer Finance
  • WSFS Bank
  • Wright-Patt Credit Union
  • Wings Credit Union
  • Wells Fargo Preferred Capital
  • Village Capital
  • 21st Mortgage
  • Aaron Rents
  • ABD Federal Credit Union
  • Above Lending
  • Absolute Resolutions Investment
  • ADT Security Service
  • Advantage Financial Services
  • WebBank - Cleo
  • Citibank - Office Depot Credit Card
  • AmeriHome Mortgage
  • Santander Consumer USA
  • SchoolsFirst Federal Credit Union
  • Charlotte Fire Department
  • First Digital Synovus
  • The Servion Mortgage
  • DFCU Financial
  • Hickam Federal Credit Union
  • Stride Bank
  • Extra Credit Union
  • Coastal Federal Credit Union
  • Mercedez-Benz Financial Services
  • Aven Heloc Card
  • Rocky Mountain Capital Management
  • Valley Bank of Helena
  • High Peaks Federal Credit Union
  • Horizon Credit Union
  • Chase Receivables
  • Capital One - Business
  • Applied Bank
  • World's Foremost Bank
  • Commerce Bank
  • Keybank
  • iLoan
  • Midnight Velvet
  • Stoneberry
  • Associated Credit Union
  • MDG USA
  • EnerBank USA
  • Petal Card
  • Pioneer Military Credit
  • America First Credit Union
  • CashCall Mortgage
  • Boeing Employees Credit Union
  • Ben Bridge Jeweler
  • Synchrony Bank - Daniels Jeweler
  • Saks Fifth Avenue - Capital One
  • Huntington National Bank
  • RC Willey
  • Compass Bank and Trust - BBVA USA
  • People's Bank
  • Carol Wright - Dr Leonard
  • WESTERN SHAMROCK CORP
  • Hancock Whitney Bank
  • UMB Financial
  • Today Card
  • Total Visa Card
  • AmeriMark
  • Les Schwab Tire Center
  • Pennsylvania State Employees
  • Curacao
  • Capital One - Kohls
  • Superlative RM
  • Verizon Wireless
  • AmeriFinancial Solutions
  • Account Resolution Services - ARS
  • ARS National Services
  • ARStrat
  • BYL Collection Service
  • Credit Adjustment Bureau - CAB Collects
  • CAC Financial Corp
  • CBV Service Inc
  • EOS CCA
  • American Medical Certification Association - AMCA
  • Credit Systems of the Fox Valley Inc
  • Doctor Business Bureau
  • Directmanagement Inc
  • Hood and Stacy PA
  • Journey Federal Credit Union
  • Central Portfolio Control
  • Bleecker Brodey and Andrews
  • ACCION OPPORTUNITY FUND
  • William J Neiman Atty at Law
  • Atrium Health
  • MRS BPO
  • SoFi Bank Student Loan
  • SoFi Credit Card
  • Spring Oaks Capital
  • SST - Systems & Services Technologies
  • Capital One - Collections
  • COMENITYCAPITAL/AAAR
  • Reese Law Group
  • Chase Bank - Internal Recovery Unit
  • Medical Debt
  • CCB/INTERLACE FINANCE
  • Always Money
  • Premier Finance Card
  • Travis Credit Union
  • Kwik Cash
  • Chevron Federal Credit Union
  • Altus Receivables Management
  • Service Finance
  • Figure Lending
  • Aaron Lending
  • Reprise Financial
  • Credit Fresh
  • Western Shamrock
  • Cross River Bank
  • Blue Ridge Bank
  • Pomelo
  • Operating Engineers
  • SEQUOIA FEDERAL CREDIT UNION
  • MONTERRA CREDIT UNION
  • PREMIERONE CREDIT UNION
  • Water and Power Community Credit Union
  • Shellpoint Recovery
  • D&A Services
  • Dynamic Recovery Solutions
  • Wells Fargo Loan
  • Set Financial
  • American Express Legal
  • Wells Fargo Personal Loan
  • IDAHO CENTRAL CREDIT
  • Ingenuity
  • Actions Collections
  • Prairie Property Mgmt
  • United Accounts
  • PAYOFF,INC.
  • 1st United Services Credit Union
  • Axos Bank
  • Law Offices of Timothy Baxter and Associates
  • OnDeck Capital
  • Aubrey Thrasher, LLC
  • Reach Financial
  • InDebted
  • World Acceptance Corporation
  • Total Loan Services
  • BMG MONEY INC
  • FARM BUREAU FSB
  • Money Key
  • CreditNinja
  • Lendly
  • Xact Loan
  • Affinity Federal Credit Union
  • ADVANCIAL FCU
  • CCMR3
  • Synchrony Bank - Sam's Club
  • Synchrony Bank - Premier World Mastercard
  • Synchrony Bank - Amazon
  • Synchrony Bank - Belk Credit Card
  • Synchrony Bank - Lazy Boy
  • Synchrony Bank - Verizon Credit Card
  • Credit Systems Inc
  • US Bank - Kroger
  • January Technologies Inc
  • Synchrony Bank - Lowe's
  • Synchrony Bank - Sweetwater Sound
  • GOODLEAP LLC
  • Level Up Funding

5) Tax Debt Insolvency From Forgiven Debt

PropertyInsolvency Calculation
Assets$505,000
Liability$35,000
Difference$470,000
Insolvency EstimateFALSE

6) Additional Insights from Calculator

  • Your home equity is $500,000 and the home exemption in California appears to be $600,000.
  • US Bankruptcy Form B 122C-2 determines your monthly disposable income as $972.
  • Your Total Unsecured / Total Annual Income = $35,000 / $156,000 = 22%

7) Pros and Cons of Debt Settlement

Although our calculator is 60% confident Debt Settlement may be the best course of action for you, please consider the following pros and cons.
Pros
  • Potential savings can be significant
  • Payment flexibility for inconsistent income
  • Can be < 1 year with access to capital
  • May access credit sooner than bankruptcy
  • Account cancellation creates accountability
Cons
  • Medium to high damage to credit report
  • Medium to high damage to credit score
  • Potential taxes on forgiven debt
  • May be sued and collections can continue
  • Late fees and interest
  • On Public Record (if creditor sues)
  • Low to medium success rate

8) Articles to consider

*The above analysis is an estimate and is for illustrative purposes based on the information you provided. Furthermore, Ascend is not a bankruptcy firm, and the information on tryascend.com is not legal advice nor should it be construed as such.