Program disclosures

1.Who we are

Sight Solutions Group, LLC (“Sight Solutions Group,” “we,” “us,” or “our”) is a for-profit consumer debt resolution firm organized under the laws of the State of Wyoming with its principal place of business at 1908 Thomes Ave, Cheyenne, Wyoming 82001. We provide debt settlement services as that term is used in the Federal Trade Commission's Telemarketing Sales Rule, 16 C.F.R. Part 310, and as defined by the debt-adjusting, debt-settlement, or debt-management statutes of the states in which we operate.

We are subject to oversight by the Federal Trade Commission, the Consumer Financial Protection Bureau, and the attorneys general and financial regulators of the states in which we do business. Licensing, registration, and bonding information is available on our complaints & licensing page.

2.What we are not

Sight Solutions Group is not:

• A lender or creditor. We do not make loans, extend credit, issue credit cards, or refinance debt. We make no credit decisions and take no credit applications.
• A law firm. We do not provide legal advice, legal representation, or legal services of any kind. No communication with us creates an attorney-client relationship. We cannot appear on your behalf in any court or proceeding.
• A credit repair organization as defined by the Credit Repair Organizations Act, 15 U.S.C. § 1679 et seq. We do not remove, dispute, or alter accurate information on your credit report, and we make no representations about improving your credit score.
• A nonprofit credit counseling agency. We are a for-profit company. Nonprofit counseling is available separately and may be a better fit for you; see Section 12.
• A debt collector as defined by the Fair Debt Collection Practices Act. We do not collect debts and are not acting on behalf of any creditor.
• A bank or a fiduciary. We do not hold your funds; a third-party financial institution does. See Section 5.
• A tax adviser or accountant. We do not provide tax advice. See Section 10.
• Affiliated with any government agency, government program, stimulus, forgiveness initiative, or creditor. No government program pays for our services.

3.The service we provide

If you enroll, we will attempt to negotiate with the unsecured creditors and debt collectors you identify and enroll, for the purpose of obtaining a settlement, reduction, or other alteration of the terms of those debts. You accumulate funds in a dedicated account in your name. When sufficient funds are available and a creditor agrees to terms, we present the offer to you in writing. You decide whether to accept. If you accept, funds are disbursed from your account according to the settlement terms.

We do not assume your debts. We do not become liable for your debts. We do not make payments to creditors on your behalf except pursuant to a settlement you have specifically authorized in writing. Your legal obligation on every enrolled account remains yours at all times.

4.Fees and when they are earned

4.1 No advance fees

Consistent with 16 C.F.R. § 310.4(a)(5) and applicable state law, we do not request or receive any fee or consideration for our debt resolution services until:

1. We have renegotiated, settled, reduced, or otherwise altered the terms of at least one of your enrolled debts;
2. You have agreed to the resulting debt management plan, settlement agreement, or other such valid contractual agreement; and
3. You have made at least one payment pursuant to that agreement to the creditor or debt collector.

Where more than one debt is enrolled, any fee earned bears the same proportional relationship to the total fee as the individual debt bears to the total enrolled debt, calculated using the outstanding balances at the time each debt was enrolled.

4.2 Amount of the fee

Our program fee is a percentage of the balance of each enrolled account as of the date it was enrolled. The percentage generally ranges from 15% to 25% and is set out as a specific number in your written program agreement before you enroll. Where a state imposes a lower cap or a different fee structure, that state's limit applies. See state disclosures.

Because our fee is calculated on the enrolled balance rather than on the amount saved, your total fee is fixed and knowable when you enroll and does not increase if a settlement comes in higher than projected. It also does not decrease in that circumstance.

4.3 Other charges

The independent financial institution holding your dedicated account charges its own fees, typically a one-time setup fee of $0–$10 and a monthly maintenance fee of approximately $9.95–$10.95. These fees are paid to the bank, not to Sight Solutions Group, and we receive no portion of them, no revenue share, and no other compensation from that institution. Exact amounts are disclosed in your account agreement with the bank.

4.4 Fees we do not charge

We charge no consultation fee, no enrollment fee, no retainer, no setup fee, no monthly service fee payable to us, and no cancellation fee.

5.Your dedicated account

Before you enroll, an account will be opened for you at an insured financial institution that is not owned by, controlled by, or affiliated with Sight Solutions Group and that does not give or receive any compensation for referrals of debt resolution business. That account is opened in your name, and:

• You own the funds held in the account, including any interest accrued;
• You may withdraw funds from the account at any time, without penalty, upon request;
• You may terminate the dedicated account at any time; and
• We may not obtain a disbursement from that account except with your specific authorization for a settlement you have approved.

Funds in the account are FDIC-insured to applicable limits. Sight Solutions Group does not hold, control, or have discretionary access to your funds.

6.No guarantee of results

We do not guarantee any outcome. Specifically, we do not represent, warrant, or guarantee that:

• Any particular debt will be settled, reduced, or otherwise altered;
• Any settlement will be obtained at any particular amount or percentage;
• Any creditor or debt collector will negotiate with us or with you at all;
• You will be free of debt within any particular period of time;
• You will avoid a lawsuit, a judgment, garnishment, or bankruptcy;
• Your credit score will improve at any point, during or after the program.

Some creditors maintain a policy of refusing to negotiate with debt resolution companies at all. Any estimate we provide — including any figure produced by a calculator on this website — is an illustration based on stated assumptions, is not an offer or a quote, and is not a prediction of your individual result.

7.Effect on your credit

Enrolling in a debt resolution program will likely adversely affect your creditworthiness, your credit score, and your credit report. The program generally requires that you discontinue payments to enrolled creditors. As a result:

• Enrolled accounts will typically be reported as past due, delinquent, or charged off, and your credit score is likely to fall — often substantially, and often within the first 60 to 120 days;
• Accounts that are settled are ordinarily reported as “settled for less than the full balance” or similar language, which is treated negatively by lenders and scoring models;
• Negative information generally remains on your credit report for up to seven years from the date of first delinquency, regardless of when the account is settled;
• Creditors may close accounts, reduce credit lines, or increase rates on accounts you did not enroll, based on the delinquency they see elsewhere on your report;
• Your ability to obtain a mortgage, auto loan, rental housing, insurance, or in some cases employment may be affected during and after the program.

We do not repair credit, dispute accurate information, or offer any service intended to improve your credit score.

8.Your balances may grow

While you accumulate funds and before a settlement is reached, enrolled creditors may continue to assess interest, late fees, over-limit fees, penalty rates, and other charges. The balance owed on an enrolled account at the time of settlement may therefore be materially larger than the balance at enrollment. This can reduce or eliminate the savings you anticipated, and because our fee is calculated on the enrolled balance, the fee does not decrease when this happens.

9.Collections and lawsuits

Enrollment in a debt resolution program provides no legal protection from collection activity. Specifically:

• Creditors and debt collectors may continue to contact you by phone, mail, email, and text, and may report your accounts to consumer reporting agencies;
• A creditor or debt buyer may file a lawsuit against you at any time, before, during, or after the program;
• A lawsuit may result in a judgment, and depending on your state, a judgment may permit wage garnishment, a bank levy, or a lien on your property;
• We cannot represent you in any legal proceeding, cannot provide legal advice, and cannot prevent a creditor from suing you.

You may have rights under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., and under state law, including the right to request in writing that a third-party debt collector cease communicating with you. We will assist you in exercising that right where it applies, but original creditors are generally not covered by the FDCPA.

10.Tax consequences

The Internal Revenue Service generally treats forgiven or cancelled debt of $600 or more as taxable income to the debtor. A creditor that forgives such an amount may issue you IRS Form 1099-C, Cancellation of Debt, and file a copy with the IRS. You may owe federal, and possibly state, income tax on the forgiven amount.

Exclusions and exceptions exist, including the insolvency exclusion under 26 U.S.C. § 108, but they must be properly claimed on your return and are subject to their own requirements. Sight Solutions Group does not provide tax advice. You should consult an independent, licensed tax professional before enrolling and again in any year in which a debt is settled.

11.If you do not complete the program

A meaningful percentage of consumers who enroll in debt resolution programs — with us and across the industry — do not complete them. Clients who withdraw before completion may find themselves in a worse position than when they enrolled: enrolled accounts may be delinquent or charged off, balances may have grown, litigation risk may have increased, and fees already earned on completed settlements are not refunded.

You should not enroll unless you have realistically assessed your ability to sustain the required monthly deposit for the entire projected program length, including through foreseeable disruptions to your income.

12.Alternatives you should consider

Debt resolution is one of several options and is not appropriate for every consumer. Before enrolling, we encourage you to evaluate:

• Continuing to pay your creditors directly. If you can retire your balances within roughly five years, this generally costs less and preserves your credit.
• Nonprofit credit counseling and a debt management plan. A DMP typically repays balances in full at a reduced interest rate over three to five years, with far less credit damage. Find an agency through the National Foundation for Credit Counseling (nfcc.org) or the U.S. Trustee's approved list (justice.gov/ust).
• Debt consolidation. If your credit still qualifies you, a consolidation loan or balance-transfer card may lower your rate without delinquency.
• Negotiating directly with your creditors yourself. Creditors will negotiate with consumers. This costs nothing, and no law requires you to hire anyone.
• Bankruptcy. Chapter 7 or Chapter 13 may discharge or restructure debt, triggers an automatic stay that halts collections and lawsuits, and may cost less than a multi-year settlement program. Consult a licensed bankruptcy attorney.
• Doing nothing, deliberately. If you are judgment-proof — for example, your income and assets are exempt from collection under your state's law — a program may cost you money you don't need to spend. An attorney can tell you whether that applies.

13.Eligibility and excluded debts

Programs generally require a minimum of $10,000 in eligible unsecured debt ($15,000 for business programs). Eligible debts typically include credit cards, store cards, unsecured personal loans, medical and dental bills, collection accounts, and repossession deficiency balances.

The following are generally not eligible: mortgages, home equity loans and lines of credit, auto loans, title loans, and other secured debt; federal student loans and most private student loans; federal, state, and local tax obligations; child support, alimony, and other domestic support obligations; court-ordered fines, restitution, and criminal penalties; accounts already reduced to judgment with active garnishment; utility, insurance, and telecommunications accounts you intend to keep using; and any debt you incurred without the intention or ability to repay.

14.State availability and licensing

Our services are not available in all states. Availability, permitted fee structures, maximum fees, required disclosures, bonding, and cancellation rights vary by state, and some states restrict or prohibit for-profit debt settlement entirely. Where a state's law imposes a requirement more protective of consumers than these disclosures, that requirement applies. Please review our state-specific disclosures.

15.Your right to cancel

You may cancel your program at any time, for any reason, without penalty. Upon cancellation, drafting stops and the funds remaining in your dedicated account, less any fees lawfully earned on settlements you previously approved and any bank fees, are returned to you. Cancellation may be made orally or in writing to info@sightsolutionsgroup.com or by calling (888) 404-8613.

Your state may provide an additional statutory right to cancel within a specified number of days of signing, with a full refund of any amounts paid. Any such right is stated in your written agreement and in our state disclosures.

16.Communications and consent

By providing a telephone number to us, you consent to receive calls and SMS text messages from Sight Solutions Group and its service providers at that number, including calls placed using an automatic telephone dialing system and messages using an artificial or prerecorded voice, and including to a cellular number, even if that number is registered on a federal, state, or corporate Do Not Call registry. This consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply; message frequency varies. You may revoke consent at any time by replying STOP to any text message, emailing info@sightsolutionsgroup.com, or calling (888) 404-8613. See our Privacy Policy and Do Not Call Policy. Calls may be monitored or recorded for quality assurance and compliance purposes; you will be notified at the beginning of any recorded call.

17.Assumptions behind any illustration

Where this site shows a calculator, an example, or a projected saving, that illustration assumes all of the following:

• settlements average 51% of the enrolled balance;
• every enrolled account settles;
• no additional interest, late fees, or penalties accrue after enrollment;
• deposits are made on time every month;
• the dedicated account fee is $10.95 per month; and
• the program runs its full selected term.

18.Statistics, estimates, and testimonials

Any aggregate statistic published by Sight Solutions Group is accompanied by its population, date range, and exclusions on our results & fees page. Averages conceal wide variation, exclude accounts that never settled, and describe past performance only. Past performance does not predict individual results.

Client testimonials describe the experience of individual clients, are not representative of all clients, and are not a guarantee or prediction of results. Testimonials are published only with the client's written permission, and no compensation is provided in exchange for them. Accreditation and membership marks are displayed only where current membership is held and can be verified with the issuing organization.

19.Marketing partners and lead sources

We pay third-party marketing companies, lead generators, and affiliates — including fundii — for consumer referrals. These partners are compensated by us, typically upon enrollment of a referred consumer. They are not compensated by you, and their compensation does not change your fee. Because a referral partner is generally paid on enrollment, its financial incentive is not identical to yours; all suitability assessments, disclosures, and enrollment decisions are made by Sight Solutions Group directly with you, and no marketing partner is authorized to make representations about our fees, results, or program terms on our behalf. If a marketing partner has made a statement to you that conflicts with these disclosures, these disclosures and your written agreement control — and we would like to know about it at info@sightsolutionsgroup.com.

20.Complaints and regulators

If you have a complaint, contact us first at info@sightsolutionsgroup.com or (888) 404-8613; we respond in writing within five business days. You are also entitled to contact a regulator directly at any time, without contacting us first:

• Consumer Financial Protection Bureau — consumerfinance.gov/complaint, (855) 411-2372
• Federal Trade Commission — reportfraud.ftc.gov, (877) 382-4357
• Your state attorney general's consumer protection division
• Your state banking or financial regulation department, where applicable

See our complaints & licensing page for state-specific contact information.

21.Acknowledgement

Before enrolling, you will be asked to acknowledge in writing that you have read and understood these disclosures, that you understand the program is not a loan and does not stop collection activity, that your credit will likely be adversely affected, that forgiven debt may be taxable, that results are not guaranteed, and that alternatives were presented to you. That acknowledgement is part of your program agreement.

Questions about anything on this page should go to info@sightsolutionsgroup.com. We answer in writing.