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How We Negotiate Your Debt

Our proven process is designed to get results faster and with less stress on your finances.

Review Your Case

Our team reviews your balances, accounts, and lender types to design the right negotiation plan.

Start Negotiations

We reach out to your creditors and begin negotiating reduced settlement offers right away.

Secure Agreements

Once a favorable offer is reached, we lock it in writing so you're protected and clear on next steps.

You Pay Less

You pay the reduced amount—often much lower than your original balance—and we move to the next creditor.

“I thought I'd never get ahead—until I found Alliance. I finally have control over my finances and hope for the future.”

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Total Debt

$18,420

Monthly Payment

$290

Program Length

34 Months

Total Savings

$5,670

Frequently Asked Questions

How does the debt relief program work?

We negotiate with your creditors to reduce what you owe and consolidate your payments into one lower monthly amount.

Will this hurt my credit score?

While your credit may dip at first, many clients see improvements over time as they reduce debt and avoid missed payments.

How long does the process take?

Most clients complete the program in 24 to 48 months, depending on their debt amount and monthly contributions.

What kinds of debt are eligible?

We help with most unsecured debts including credit cards, medical bills, personal loans, and collections.

Are there any upfront fees?

No. We only charge fees after successfully settling your debt and you've made at least one payment towards the settlement.

Can I negotiate a debt settlement on my own?

Yes, it's possible to negotiate directly with creditors, but having professional assistance can often lead to better outcomes and less stress.

What happens if a creditor refuses to negotiate?

If a creditor is unwilling to negotiate, we explore alternative strategies, including continued negotiations or considering other debt relief options.

Will I be protected from creditor calls?

While we can't guarantee all calls will stop immediately, enrolling in our program often reduces the frequency of collection calls over time.

Is forgiven debt taxable?

In some cases, forgiven debt may be considered taxable income. We recommend consulting with a tax professional for guidance specific to your situation.

How do I know if I'm a good candidate for debt relief?

If you're struggling with unsecured debts and finding it hard to make minimum payments, our program may be a suitable solution for you.