DebtFix, LLC provides debt settlement services. We do not provide legal, tax, or credit-repair advice. Debt settlement programs are not available in all states, do not stop collection activity or lawsuits, and typically have a negative impact on credit. Results vary by individual circumstances and are not guaranteed. Fees are charged only after a debt is settled, you approve the settlement, and at least one payment has been made toward it.
The largest companies in this industry report that clients who complete their programs settle enrolled debt for roughly 45% to 55% of the balance before fees, which comes to about 20% saved after fees, over 24 to 48 months. Those are their published figures for people who finished, measured against the debt enrolled. They are not our results and not a promise: your outcome depends on your creditors, your deposits, and your circumstances. Not every debt qualifies for enrollment, and not every client completes the program; completion depends on, among other things, the ability to keep saving into the dedicated account. We do not guarantee that any debt will settle for a specific amount or percentage, or that you will be debt free by a specific date.
We never assume or take ownership of your debts, and we do not make monthly payments to your creditors. Falling behind on a debt can grow the balance through interest, fees, and other charges, and can lead to collection activity or lawsuits. Forgiven debt can be taxable: talk with a tax professional about the consequences of settlement, and with a bankruptcy attorney if you are considering bankruptcy. Depending on your state, we may be able to recommend a local tax professional or bankruptcy attorney. Read and understand all program materials before you enroll, including the potential negative effect on your credit rating.
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