Basic Debt Settlement Process

• Debtor logs on using his/her account number and SSN for authentication.
• Debtor reviews the details of his/her account.
• Debtor makes the decision to pay in full, accept one of the available payment plans or negotiate a payment.
• Debtor who decides to negotiate a payment makes an offer.
• If the offer is acceptable, the debtor proceeds to payment page.
• If the offer is not acceptable, the debtor is provided with a set of counteroffers.
• Debtor starts the payment process by selecting the preferred method of payment.
• Payment is processed and the debtor receives an electronic receipt.