DEBT SETTLEMENT ELIGIBILITY — CONVERSATION CHECKLIST
Sources checked October 16, 2026

[ ] Make a separate record for each account
Creditor or collector, debt type, current balance, payment status and whether collateral is attached. Keep sensitive details in your own records.

[ ] Identify dates that cannot wait
Court response dates, dispute deadlines, foreclosure notices and other time-sensitive papers need their own attention.

[ ] The actual accounts
Which of my specific debts and creditors would you accept, and which would stay outside the program?

[ ] What the minimum means
Is that your enrollment minimum, an account-level minimum, or a threshold used by the referral service?

[ ] A plan you can sustain
What must I deposit, for how long, and what happens if an essential expense forces me to miss a deposit?

[ ] What happens while you save
What happens to interest, fees, credit reporting, collection calls and the risk of a lawsuit while money accumulates?

[ ] The complete price
What is every fee, how is it calculated, and exactly when can it be collected?

[ ] Who is providing the service
What is the company’s legal name, and is it permitted to provide this service in my state?

[ ] Possible tax consequences
Could cancellation of this debt create taxable income, and who can explain any exceptions or exclusions?

[ ] The options outside settlement
How does this compare with creditor hardship help, nonprofit counseling and a bankruptcy consultation?

Preparation only. This is not an eligibility decision.
https://debtsettlementeligibility.com/sources/