To anyone who's completed the program: what are the downsides to this process? Has your credit been flagged? How long does it take you to see results? What is the outcome of everything? Is this considered bankruptcy?

No bankruptcy... excellent program. Credit remain good as long as you made the montl y payments... They cut your debt like half of it... highly recommend

Is not a Bankruptcy. It takes some time bat the results are good

Thanks for your question! Clients in our program do experience an adverse impact on their credit. It's just a normal effect of the negotiation process. The impact is temporary and necessary for us to address the real issue: very high principal balances. High principal balances contribute to high usage of credit limits, which has a very significant negative impact on your credit scores too. As we negotiate your balances down, the amount of credit you're using relative to your overall credit limit decreases, and this has the effect of organically increasing your score little by little. Many of our clients see increases in their scores even while still in the program. After you complete the program, you should be in a better place to take additional steps to revamp your credit score even further, since you'd be doing it from a position of very little or no debt. And this is not bankruptcy. It has none of the far-reaching negative effects. We hope this helps.