Debt settlement service fees

Your service fees

Final pricing depends on the services provided. Fees are individually calculated based on qualifying debts enrolled in the program. The full calculation and payment conditions are disclosed in your written debt settlement service agreement before enrollment.

There is no fee to submit an inquiry. Creditor settlement payments are separate from Nereida & Wynn’s service fees.

When fees may be collected

No debt settlement service fee is collected in advance where prohibited by law. Where the federal Telemarketing Sales Rule applies, a fee is collected only after:

1. A debt has been settled or otherwise resolved.
2. You have agreed to the settlement in writing.
3. You have made at least one payment under that settlement.

Fees for multiple debts are earned according to applicable law and are not front-loaded.

Before you sign

Review the service scope, total fees, payment conditions, estimated timeline, funds needed for settlement offers, cancellation rights, and any dedicated-account terms.

All fees and payment practices are subject to applicable federal and state law. Read the cancellation and refund policy.

Settlement risks

Creditors are not required to accept a settlement. Results, savings, and completion times vary and are not guaranteed. Missed payments may damage your credit, increase interest and fees, and lead to collection activity or lawsuits. Forgiven debt may have tax consequences; consult a qualified tax professional.

Pricing questions