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The time period varies from one person to another, depending on their financial situation. According to Credit Associates website, the average client who sticks with their plan can complete the program in about 36 months

No, you are responsible for payments to your Special Purpose Savings Account which will be used to complete negotiations with creditors.

It all depends on how your credit was when you enrolled in the program. If you don't make payments according to the agreement, your credit score will definitely suffer.

If you're unable to deposit in your savings account and accumulate funds, then CreditAssociates cannot help you settle your debt.

Yes, late fees and interest typically continue to accumulate.

No, CreditsAssociates is still not available in Colorado, Connecticut, Georgia, Minnesota, Maryland, Ohio, Vermont, and Wyoming.

Yes, once the time is right, they will contact your creditors.

No, you need to stop using your credit card while the company is negotiating with your creditors.