Start with verification
To protect your information, we verify your identity before sharing account details. Date of birth is requested first. If it does not match, we may explain why we need the last four digits of your Social Security number. Either matching method is enough to proceed.
Hear the facts
Once verified, the conversation covers the creditor name, current balance, and the information available on the account—without estimates or invented details.
Review the options
You can ask questions, state that you dispute the account, request validation, or discuss whether a resolution option is available.
Document the outcome
If you choose to pay, you receive a secure payment link. Settlement terms and payment confirmations are documented for your records.