HelpSee which lenders say yes
Behind on a card or a loan?
If an account is more than ninety days late, the lender has usually written it off internally and many will accept less than the full amount to close it. We can ask them on your behalf, on your instruction, and you pay us nothing.
You can offer less than you oweLenders often accept a partial settlement rather than chase the full amount forever
Nothing moves without youNo lender hears from us until you authorise one account
You pay us nothingThe lender pays on closure. If it fails you owe nothing.
An account 90 days overdue blocks almost every lenderClearing it, even partly, moves you further than anything else on your file
Recovery agents may only call 8am to 7pmAnything outside that is a breach you can report
You never have to agree on a callNothing said on a phone call is binding on you