Results, fees, and the math behind them
Every number a debt relief company publishes hides a definition. Here are ours, written out, so you can judge them.
Fees
What we charge, and the exact moment we can charge it
The Federal Trade Commission's Telemarketing Sales Rule bans advance fees for debt relief services sold by telephone. Our agreements are written to that rule.
| Charge | Trigger | Amount & notes |
|---|---|---|
| Consultation | None — never charged | $0. No obligation, no credit pull required for an estimate. |
| Enrollment / retainer | None — never charged | $0. We do not collect an advance, setup, or retainer fee of any kind. |
| Program fee | All three must occur first: (1) the debt is renegotiated, settled, reduced, or otherwise altered; (2) you agree to the settlement in writing; (3) at least one payment is made toward it | 15%–25% of the enrolled balance of that specific account, prorated and collected across your remaining deposits. The exact percentage is fixed in your written agreement before enrollment and is capped where your state imposes a limit. |
| Dedicated account fee | Monthly, while the account is open | Typically $9.95–$10.95 per month, charged by the independent third-party bank. This is not paid to Sight Solutions Group. |
| Account setup fee | One time, at account opening | Typically $0–$10, charged by the bank, disclosed in your agreement. |
| Cancellation fee | None — never charged | $0. Cancel any time and withdraw your remaining balance. Fees already earned on settlements you approved are not refunded. |
What the fee is calculated on
Our fee is a percentage of the balance at the time an account is enrolled, not a percentage of what we save you. Both models are legal and both are used in this industry. Enrolled-balance pricing means your fee is fixed and predictable from day one; it also means the fee does not shrink if a settlement comes in higher than expected. We think that predictability is worth it — but you should know which model you're buying, and you should ask any competitor the same question.
Illustration
What a program might look like
An illustration built on the stated assumptions below. It is not an offer, a quote, or a prediction of your outcome.
| Enrolled debt | $25,000 |
| Estimated settlements at an assumed 51% of balance | $12,750 |
| Program fee | $5,500 |
| Dedicated account fees | $394 |
| Estimated total program cost | $18,644 |
| Estimated monthly deposit | $518 |
| Estimated savings vs. enrolled balance | $6,356 |
This illustration rests on six assumptions, and real programs break several of them routinely. They are listed in full under assumptions behind any illustration in the Program Disclosures. Read them before you rely on any number above.
Methodology
Why we don't publish savings statistics
Most debt relief websites lead with a big number: billions resolved, an average settlement percentage, a typical program length. We don't publish any of those, and it is worth explaining why rather than quietly leaving a gap.
Those figures are almost always calculated in ways that flatter them. An "average settlement" usually counts only the accounts that actually settled, silently excluding the ones that never did. A "median program length" usually counts only clients who finished, excluding everyone who dropped out. A percentage measured against the enrolled balance ignores the interest and fees that accrued after enrollment, so the real figure owed at settlement is higher. None of that is illegal. All of it makes the number look better than the experience.
We would rather show you the mechanics you can verify in your own written agreement — what triggers a fee, whose name the account is in, who approves a settlement — than a statistic you have no way to check.
What to ask any company, including us
- What percentage of enrolled clients complete their program? This is the number that matters most, and the one the industry is least willing to state plainly.
- Is the settlement average calculated on all enrolled accounts, or only the ones that settled?
- Is it measured before or after your fees?
- Is it against the enrolled balance or the balance at the time of settlement?
- Over what date range, and for how many clients?
- Has any of it been verified by an independent third party?
If a company will not answer those in writing, that tells you something useful. Ours are stated in your written program agreement and available on request from info@sightsolutionsgroup.com.
Who administers your program
Debt resolution programs referred through Sight Solutions Group are administered by ClearOne Advantage, LLC, which has operated in this industry since 2008, holds a 4.8 TrustScore across more than 10,000 Trustpilot reviews, and is an accredited member of the Association for Consumer Debt Relief (ACDR). Those are ClearOne's credentials and performance record, not ours, and are reproduced here so you know exactly who you would be working with. Verify them directly at clearoneadvantage.com and on Trustpilot rather than taking our word for it.
Want these numbers run on your actual debt?
A specialist will build the estimate from your real balances — free, and in writing.