Stall & Save: The Trap that Leads to Collapse

FEE TYPE

AMOUNT

WHY IT’S A PROBLEM

Upfront Enrollment Fee

15% of enrolled debt

Paid before any work is done.

Monthly Program Fees

Up to $1,000 per month

Drains cash flow while creditors go unpaid.

Success Fees

35% of negotiated savings

Reduces any real financial relief.

Extension Fees

1% charged monthly for

the life of the settlement

Firms profit the longer they stall resolution.

Inactive Debt Fees

35% of original enrolled debt

Charged if a creditor doesn’t respond within 120 days.

Early Termination Penalties

2% of remaining enrolled
debt per month

Punishes businesses that try to exit the program early.

The Bottom Line

  • The longer you stay, the more you owe.
  • If a creditor never settles, you’re penalized.
  • If you try to leave, you face steep penalties.

This is Not a Rescue Plan.

It’s a business model designed to profit from keeping yours in distress.