You have started the journey to being debt-free and taking control of your finances! Our debt specialists are here to help you on that road to financial recovery and one will be contacting you soon. As part of the process of understanding your financial situation, they will assist you in completing your free debt analysis. Want to get started right away? Call our toll-free number listed below!


Understanding the Steps of Your Journey

  • Work with our debt specialists to complete your free debt analysis. Part of that process will involve a frank discussion of your current financial picture, including the amount of debt you have, the type of debt, reviewing your budget, as well as your eligibility for various debt relief options.
  • Calculate your monthly debt consolidation payment. Your debt analysis will determine if you are eligible for debt consolidation and then your debt specialists can outline your monthly payments if you choose to enter the program.
  • Begin the program with your first payment. Every month, your payments go into your savings account and our team negotiates with your creditors. The best part is that your monthly payment fits your budget, giving you the room to get your financial house in order.
  • Celebrate your new debt-free life. If you are struggling to make payments, then your creditors are more willing to negotiate. Within 24 to 48 payments, you could be completely debt-free. That means your credit cards can be paid off in as little as 2 years!

Fill out or Download the 2 forms below to get started.

Download - Initial Contract - Effective Legal Debt Solutions

Download - Initial Contract - RAM New Customer Form