Each program is individualized for the consumer because it is based on what
your budget will allow us to pay the creditors. Some clients can pay more
therefore they get out of debt quicker. The length of time also depends on
what types of creditors you owe. Depending on the variables, our programs
can take as little as 12 months, but rarely ever go more than 60 months. The
average is about 43 months to be debt free, much less time than just paying
the minimum payment. Making only the minimum monthly payment could take 15
to 20 years to pay off your debt: that’s 180 to 240 months.