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Frequently Asked ?'s
Does it cost money for a consultation with Upside Enroll?
No. Any costs incurred will be those associated with the licensed service provider for the service chosen.
What is the Upside?
Let's be honest, there is nothing fun about trying to get rid of credit card debt. Finding out about accredited programs may be the difference of saving substantial time and money, or not.
Most people find themselves in a negative debt cycle for several years if not throughout the majority of their lives. Find out what options are available to you with no pressure or obligation.
F.A.Q.'s cont.
How long does it take to complete a program?
Typically 24-48 months depending your personal debt profile at the time of enrollment. Keep in mind it can take 10-20 years to pay off a maxed out credit card if you are only making the minimum monthly payment(s). Daily compounded interest makes it really difficult if not impossible to pay off high interest credit cards.
How does this 'program' affect my credit score?
A debt relief program can negatively impact your credit score for a temporary period of time. The affect to credit also depends on the current status of your credit profile. There are methods and good habits a consumer can develop to increase their credit score and worthiness post debt resolution. The primary goal is to get your debt behind you, then work on rebuilding your credit profile.
Is Debt Settlement the same as bankruptcy?
No. Bankruptcy is a legal process that requires an attorney, a pre-approval consultation, and a court hearing in your local county district. A Chap 7 or 13 BK can stay on your credit profile for up to 7-10 years after completion and/or discharge. Filing bankruptcy is not the end of the world and can provide relief for those who need to utilize it. Yet it should always be treated as a last resort option.