We negotiate directly with your creditors to resolve unsecured balances for less than what you owe — funded by one monthly deposit into an account that stays in your name. No new loan. No fee until a debt is actually settled.
These are structural facts about how the program is built, not performance claims. We do not publish settlement averages or savings statistics — and you should be sceptical of any company that does without publishing the definitions behind them. See results & fees.
What we do
We are a debt resolution firm. We negotiate with the companies you owe rather than lending you money to pay them. Here is what that means — and what it doesn't.
Our core program. You deposit one affordable amount each month into an FDIC-insured account in your name. We negotiate your enrolled accounts down to a reduced payoff and settle them one by one as funds allow — and you approve every settlement in writing before a dollar moves.
A free, no-pressure review of your full picture. If a program isn't your best path, we say so and point you to what is.
What we review →For sole proprietors carrying merchant cash advances, business cards, and unsecured lines that have outgrown the revenue behind them.
Business options →Budgeting around a program deposit, understanding your credit report, handling a summons, and rebuilding afterward. Included at no cost.
Resources →Sight Solutions Group is not a lender, a law firm, a credit repair organization, a credit counseling agency, or a debt collector. Read what we are not and the risks you need to weigh in full.
The process
There is no moment in this program where money moves without your written say-so.
A certified specialist reviews your balances, income, and hardship, and gives you an honest read on whether a program fits — including the alternatives that don't involve us.
A written agreement listing every enrolled account, your monthly deposit, your estimated timeline, the exact fee, and the risks. Nothing starts until you sign.
Deposits build in an FDIC-insured account in your name. As the balance grows, our negotiators work each creditor toward a reduced payoff.
Every offer comes to you in writing. You accept or decline. Funds release only on your approval — and only then is a fee earned on that account.
Straight answers
Debt resolution works for a lot of people. It's also the wrong choice for a lot of people. Here is the honest version, so you can decide with your eyes open.
A resolution program carries real risks, including likely damage to your credit. They are set out in full under risks you need to weigh in the Program Disclosures. Read them before you enroll.
Fees
Federal law prohibits advance fees in this industry. We build our agreements around that standard rather than around the edges of it.
| What you pay | When | Amount |
|---|---|---|
| Consultation | Never | $0 — always free, with no obligation |
| Enrollment / setup | Never | $0 — no advance or retainer fee of any kind |
| Program fee | Only after a debt is settled, you approve it in writing, and one payment is made | 15%–25% of the enrolled balance of that account, subject to your state's limits |
| Dedicated account fee | Monthly, charged by the third-party bank | Typically $9.95–$10.95/mo — paid to the bank, not to us |
| Cancellation fee | Never | $0 — leave any time and withdraw your remaining funds |
Fee ranges are illustrative. Your actual fee, expressed as a percentage of enrolled debt, is disclosed in your written agreement before you enroll and is capped where your state imposes a limit. See state disclosures and results & fees.
Operating standards
Internal policy, enforced through compliance monitoring and call review — not marketing language.
No enrollment fee, no retainer, no setup charge, no cancellation penalty, and no fee on any account until it is settled, approved by you, and paid.
If we publish a statistic, the population, date range, and exclusions are published with it. See our methodology.
If your debt is too small, mostly ineligible, or your budget can't sustain a deposit, we don't enroll you. Specialists are not penalized for declining a prospect.
No expiring pricing, no “I can only hold this today,” no same-call closes. Every prospect gets the written agreement to review on their own time.
Specialist compensation is weighted toward clients who finish. Signing someone who washes out in month four is a cost to us, not a win.
Credit counseling, consolidation, self-negotiation, and bankruptcy are covered on every consultation. It costs us enrollments. It's the right call.
Common questions
Almost certainly, yes — and you should expect it. Enrolled accounts typically go delinquent while funds build, which is reported to the bureaus and lowers your score. Settled accounts are usually reported as “settled for less than the full balance.” Many clients see recovery begin once balances are resolved, but that varies and is not guaranteed.
Most programs are designed for 24 to 48 months. Your timeline depends on your balances, how quickly your deposits accumulate, and which creditors negotiate. Deposits larger than the minimum shorten the program.
Yes. Enrolling does not stop collection activity and does not prevent litigation. If you are sued, your specialist will help you understand your options and, where possible, prioritize that account — but we are not a law firm and cannot represent you in court.
Yours. The account is FDIC-insured, opened in your name at an independent third-party bank, and you control it. You may withdraw your funds and end the program at any time without penalty.
It's the question that matters most and the one this industry avoids. Our current figures, along with how we define “completion,” are stated in your written program agreement and available on request from info@sightsolutionsgroup.com. Ask every company you speak with for theirs, in writing.
A free 15-minute review with a certified specialist. No credit pull, no obligation, and an honest answer either way.