On this page
The short answer
A trustworthy settlement success rate needs a defined population, follow-up period and treatment of dropouts; this site does not have verified partner outcomes to publish a measured rate.
What changes the answer
An account settled, a client completing every enrolled account and a client saving money after fees are three different outcomes. A provider can report a high rate among accepted offers while excluding people who never reached an offer.
Ask for enrollment cohorts, unresolved cases, cancellations, lawsuits and net payments. Public complaint counts cannot be converted into completion or lawsuit rates because the exposed customer population is unknown.
Sources: FTC: Debt relief and the Telemarketing Sales Rule; FTC: Getting out of debt
Compare the practical choices
| Measure | Required denominator | Missing information that can distort it |
|---|---|---|
| Accounts settled | All eligible enrolled accounts | Unresolved and withdrawn accounts |
| Clients completing | All clients in a starting cohort | People who left or have not finished |
| Net savings | All creditor payments and service costs | Fees, balance growth, taxes and unresolved debts |
Sources: FTC: Debt relief and the Telemarketing Sales Rule; FTC: Getting out of debt
A practical next step
- Ask what counts as success and who is excluded.
- Request sample size, dates and fee-inclusive results.
- Compare reported outcomes with risks disclosed in the contract.
Sources: FTC: Debt relief and the Telemarketing Sales Rule; FTC: Getting out of debt
Before you agree or pay
No percentage on a marketing page is a guarantee for your debts. Until verifiable data exists, use actual written offers, affordability and the consequences of failure to guide the decision.
Sources: FTC: Debt relief and the Telemarketing Sales Rule; FTC: Getting out of debt
Your starting checklist
Keep these records privately. You do not need to upload them here.
Checks stay on this page only.
Questions worth asking
- Why does the site not publish a settlement success percentage?
- Which part of my records changes this answer, and what should I do next?
Common questions
Why does the site not publish a settlement success percentage?
We do not have independently verified partner outcome data with a complete cohort, follow-up period and fee-inclusive results. Publishing a confident percentage would imply evidence we do not possess. The useful questions are how success is defined, who is excluded and what unresolved debts cost.
What should I prepare before asking for help?
Bring the records that address this question: Ask what counts as success and who is excluded. Request sample size, dates and fee-inclusive results.
Does using this guide change a payment or legal deadline?
No. Reading a guide or completing Find My Options does not file an appeal, answer court papers, stop collection, or create an agreement. Use the actual notice and the responsible court or agency to verify deadlines.
Sources & further reading
Sources checked October 19, 2026. Rules and programs can change. This article uses AI-assisted research and has not received attorney or other professional signoff. Read our editorial standards.
Keep exploring
Educational guidance for U.S. debt situations. This page does not decide legal rights, eligibility, fees or suitability. If you have a court, property or service deadline, seek appropriate help promptly; reading this page does not extend it.