Frequently Asked Questions
Debt's complicated. Your questions shouldn't be. We put together the stuff people actually ask us — about how we work, what it costs, and whether we can actually help your credit score bounce back. No fluff. Just real answers.
We help people dig out of debt. That means negotiating with creditors to lower what you owe, setting up payment plans that won't destroy your budget, and fixing the credit report damage debt leaves behind. We don't loan you money. We don't consolidate. We actually talk to your creditors and work deals. It's grunt work, but it works.
Real talk? Most people see shifts within 3 to 6 months. Sometimes faster if we get old items removed. But here's the thing — credit scores don't jump overnight. We're talking 30, 50, even 80 points in the first year depending on your situation. Patience is part of the deal. The improvement keeps going as we knock out debts and clean up your report.
No hidden fees. We charge based on what we settle. You only pay when we win — when we've negotiated your debt down or gotten something deleted from your record. It's usually a percentage of what we save you. We'll tell you the exact number before we start. Phone 'em up at +420 560 048 664 if you want specifics on your situation.
Step one: you call or email us with your debt details. Step two: we review everything and tell you if we can help. Step three: you sign paperwork giving us permission to contact your creditors. Then we go to work. We handle all the negotiations, send you updates, and walk you through what's happening. You're not in the dark.
Yeah, we do. Location isn't really a barrier anymore. We work with clients across the Czech Republic. Come see us in person at Václavské náměstí 1 if you want face-to-face, but most of our work happens over the phone and email anyway. Either way, you'll get the same service.
Nope. And anyone who promises that's lying. What we guarantee is we'll negotiate hard, remove errors from your report, and get rid of debt. Those things almost always improve your score. But credit's complicated — lots of factors play into it. We can't control everything. We can control how hard we fight for you.
Don't panic. We've handled plenty of situations where debt's already in collections. Timing matters, but we can still negotiate. The later it gets, the trickier things become, though. That's why calling sooner is smarter. Reach out at [email protected] or +420 560 048 664 and explain where you're at. We'll tell you if we can help.
Good question. It works best if you've got multiple debts, you're struggling to pay, and your credit's taken a hit. If you're just behind on one payment? Maybe a different approach makes sense. That's why we do a free consultation. We'll be honest about whether this helps or if you'd be better off trying something else. No pressure.