Offer an independent debt-plan review that inventories balances, interest rates, cash flow, account status, and creditor eligibility, then produces side-by-side payoff scenarios with total cost, timing, risks, and required actions. Begin as a fixed-fee service delivered by trained counselors, with optional monthly case monitoring, creditor-call preparation, and documented progress checks. The business does not lend money or collect settlement funds and should use licensed or accredited professionals where required.

Recent reviews across multiple debt-management products repeatedly report undisclosed eligibility rules, subscription charges before results, weak support, and unexpected credit damage. A transparent second-opinion service can serve borrowers before they enter costly or difficult-to-reverse programs.