How It Works
A clear, straightforward resolution process
We believe in transparency at every step. Here is exactly what to expect when you work with Debt Consulting Group.
Initial Inquiry
Submit your basic information through our secure online form. This takes just a few minutes and gives us an initial understanding of your debt situation.
- Provide your name, contact information, and state
- Share the approximate total you owe and the types of debt
- Tell us briefly what pressure you are under
- No cost and no obligation at this stage
Situation Review
Our team reviews your submission and assesses which resolution strategies may be a good fit based on your debts, income, and circumstances.
- We evaluate your obligations, income, and cash flow
- Match your situation with suitable strategies
- Flag anything urgent — defaults, judgments, collection activity
- Prepare personalized recommendations
Document Collection
If you choose to move forward, we will guide you through gathering the necessary documentation. Requirements vary by strategy and creditor.
- Receive a clear checklist of required documents
- Share documents securely with our team
- Get support from our consultants if you have questions
- We organize everything creditors will expect to see
Strategy & Plan
We present you with the resolution options that match your situation, along with clear information about costs, timelines, and trade-offs.
- Review multiple strategies side-by-side
- Understand costs, timelines, and credit implications
- Ask questions and get straight answers
- No obligation to proceed with any plan
Negotiation & Resolution
Once you approve a plan, we engage your creditors and negotiate on your behalf — keeping you informed and in control throughout.
- We handle creditor communication for you
- Present your situation and proposals credibly
- Keep you updated at every stage
- Nothing is agreed without your approval
Recovery Next Steps
After agreements are reached, we help finalize the paperwork, track completion, and set up the plan that keeps you moving forward.
- Complete final documentation with each creditor
- Track settlements and restructured payments to completion
- Build a realistic budget and cash-flow plan
- Provide ongoing support as needed
Documents you may need
Requirements vary by strategy, but these are the records creditors most often ask to see
Bank Statements
Typically 3-6 months of recent personal or business statements
Creditor Statements
Recent statements or agreements for each debt you want addressed
Tax Returns
Last 1-2 years (may not be required for every strategy)
Income Documentation
Pay stubs, or a profit & loss overview for businesses
Collection Notices
Letters, legal notices, or correspondence from creditors
Identification
Government-issued ID for account verification
Note: not every document is required for every strategy. We will provide a specific checklist based on your plan.
What creditors often consider
Understanding these factors can help you prepare and improve the outcome of a negotiation
Hardship Evidence
Creditors respond to a documented, credible picture of why current terms are unworkable. We help you present it properly.
Payment History
Your track record on each account shapes what a creditor will accept. Long-standing accounts often have more room to negotiate.
Account Status
Current, delinquent, and defaulted accounts each open different doors. Timing a negotiation correctly matters.
Ability to Pay
Realistic proposals get accepted. We build offers around what your income and cash flow can genuinely support.
Collateral & Guarantees
Secured debts and personal guarantees change the negotiating picture. We map these out before any conversation starts.
Willingness to Engage
Creditors settle with people who show up. Early, professional engagement almost always produces better outcomes than silence.
Questions at any stage?
Our team is here to guide you through every step. Whether you are just weighing your options or ready to hand us the paperwork, we are available to help.