Who is qualified for our program?
Who is NOT qualified for our program?
How do you apply?
How will ODM settle my debts?
ODM strongly encourages you to read our Debt Settlement FAQ.
Who can join ODM’s program?
• are late paying their unsecured debts
• have no ability to make payments in the future
• bankruptcy is they only other option
Examples of qualifying hardships are a loss of income, medical emergency, death of a member of the household who provided financial assistance, or a divorce.
If you are currently meeting your monthly debt obligations and are able to continue to do so, then our Debt Settlement program is NOT for you.
Is bankruptcy a better option for me?
Does Debt Settlement have a negative impact on my credit?
Can I still use my credit cards?
What will I pay for your services?
All costs and fees are always fully disclosed and are you are required to sign for approval before you commit to our program.
Do you guarantee that you settle all of my debts?
Can I be sued?
Can ODM stop my creditors from calling?
Does ODM repair my credit?
Can creditors garnish my wages?
What are the tax consequences?
Can’t I negotiate my debts with my creditors on my own?
You should note however, that the Debt Settlement process can be a long and complex process for the average consumer. Our debt negotiators have the skills and knowledge of how your creditors negotiate and they have many years of experience negotiating the largest debt reductions. You don’t have to spend all of the time and effort trying to negotiate with your creditors and you can rely on our experience to get the best debt reduction possible for you.