All four programs
Compare every BDS program, side by side.
Each program fits a different financial situation. Here is what each one is best for, what credit impact to expect, how long it takes, and what it costs.
Debt Settlement
Negotiate balances down for less than you owe.
Best when minimum payments no longer keep up with rising balances. BDS connects you with a vetted settlement provider.
Best for
$7.5K+ in unsecured debt · Past-due or about to be · No required FICO floor
Timeline
24 – 48 months
Credit impact
Temporary dip during negotiation, recovers as accounts settle
Fees
Provider performance fee, 14 to 27 percent of enrolled debt, only after settlement
Debt Management
Lower interest rates with one structured monthly bill.
Best when income is steady but rates make payoff impossible. BDS connects you with a vetted credit counseling agency.
Best for
Steady monthly income · Multiple high-interest cards · Want to avoid bankruptcy
Timeline
3 – 5 years
Credit impact
Small initial dip, consistent payments often improve score
Fees
Counseling agency admin fee, modest and disclosed upfront
Debt Consolidation
Replace cards with one fixed-rate personal loan.
Best when credit is still good and you want predictable payoff. BDS connects you with trusted lenders in our network.
Best for
680+ FICO ideal · Want one fixed payment · Cash flow can support a loan
Timeline
Loan term (typically 2 – 7 years)
Credit impact
Small temporary dip from hard inquiry, improves with on-time payments
Fees
Lender origination fee varies by lender
Credit Counseling
Free guidance to help you pick the right path.
Best when you are unsure which option fits your situation. The BDS consultation is free, regardless of which program you choose.
Best for
Anyone considering debt relief · Wants honest, written advice · Has 20 minutes
Timeline
20 minutes
Credit impact
None, no credit pull required for the consultation
Fees
Free consultation, no obligation to enroll