Frequently Asked Questions

Click on a question to view the answer.

Are your services really free?

Why would Financial Samaritan provide these services for no charge?

How does debt negotiation work?

How much discount can I expect?

What types of debts can you negotiate?

Does debt negotiation affect my credit score?

I have a debt and the payments are current but I don’t think I can keep up the payments. Can that debt be negotiated?

Will the creditor continue to call me during the debt-negotiation process?

Can I be sued?

Can my wages be garnished?

What is the difference between debt settlement and credit counseling?

What about bankruptcy?

Can I do debt negotiation myself?

I heard that I might have to pay more taxes. Is that right?

Is debt negotiation right for me?

Last date of revision: April 9, 2015