From a 20-minute call to debt-free.
Debt relief can feel like a black box, with too much jargon and too few honest answers. Here is the whole road, step by step, with no surprises.
Free consultation
A certified BDS consultant reviews your income, expenses, and full debt picture. No credit pull required, nothing to sign yet. The goal is to understand whether debt relief makes sense for you, and which program fits.
Written recommendation
Based on your situation, BDS prepares a written recommendation: settlement, management, consolidation, or another path. We send it to you with the trade-offs spelled out, so you can review without pressure.
Matched with a provider
If you decide to move forward, BDS connects you with a vetted debt relief provider that fits your state, balance, and circumstances. The provider walks you through their enrollment terms, fees, and the program structure.
Enrollment + implementation
You enroll with the provider directly. From here, the provider runs the program: they negotiate with creditors, set up a dedicated savings account for your deposits, and document every settlement as it happens.
Progress tracking
The provider operates a client portal that shows real-time status for every enrolled debt: pending, in negotiation, or settled. You also receive written confirmation of every settlement as it is reached.
Debt-free future
When your final account is resolved, you graduate from the program. Many consumers use the structure they built during the program to keep building healthier finances long-term.
What to expect, in plain English.
BDS does not charge consumers for our consultation. The debt relief provider you are matched with charges a performance-based program fee, typically 14 to 27 percent of enrolled debt. The provider earns nothing until a settlement is reached, you have agreed to the terms in writing, and you have made at least one payment under that agreement. All fees are disclosed by the provider in writing before enrollment.