Every price we charge, on one page.

Our debt relief fee is 25% of the amount we actually save you — not a percentage of what you owe — and in Illinois it is capped at 15% by statute. If you enrol $25,000 and we settle it for $12,500, the saving is $12,500 and the fee is $3,125. Nothing is charged before an individual debt is settled, because federal law forbids advance fees for debt relief.

No. Debt relief fees are charged only after an individual debt settles, credit repair is billed monthly with no setup fee, loan modification is charged only after your servicer puts an offer in writing and you accept it, and mortgage preparation is billed as three monthly payments after each month's work is delivered. These are not policies we chose — they are what the Telemarketing Sales Rule, CROA and the MARS Rule require.

Credit Health runs from $29 to $179 a month depending on plan: Audit $29, Repair $69, VIP $119 and Concierge $179, with a $59/mo add-on for couples. There is no setup fee, you can cancel within three business days of signing, and there is a 90-day refund if nothing is removed.

There is no honest fixed answer, and anyone quoting one is guessing. What is fixed is the statutory clock: once a dispute is filed, a credit bureau generally has 30 days to investigate and respond, which is why progress is measured in dispute cycles rather than weeks. Most engagements run several cycles. We do not promise a score outcome or a removal, because no one lawfully can.

Formation is $0 plus your state's filing fee, which the state sets and we pass through at cost. There is no markup and no bundled subscription required to use it. From year two, ongoing compliance through Entity Care is $348 per year per state.

Yes — $7,500 in unsecured debt. Below that the arithmetic rarely works in your favour once the programme length is taken into account, so we say so rather than enrolling you. Debt relief is also not offered in New York, New Jersey, North Carolina, Georgia or Ohio.