Yes. The money in the dedicated account belongs to the client. A program can be left at any time, and fees are only owed on debts that already settled with written approval.

We negotiate debt down. You get the final say.

Section 01

01

How it works

Four steps. Nothing hidden.

Most of what we do is boring on purpose. Here is the whole mechanism.

01
A free evaluation call

We look at the unsecured balances, the income, and what’s realistic. If settlement isn’t the right tool, we say so on that call and point you somewhere better.
No obligation · No decision on the spot
02
A dedicated account, in your name

You start setting money aside in a dedicated savings account that you own and control. It builds the fund that settlements are paid from. Nothing moves without your approval, and if you leave, the money is yours.
03
Negotiation, with your written approval

As the account builds, we go to creditors with offers. When a creditor agrees to take less than the full balance, you see the terms and approve them in writing before a dollar is paid. Every settlement, every time.
04
The fee, only after a debt settles

Each settlement is paid from the dedicated account. Our fee for that debt comes after it settles and you’ve approved it. Never before. That isn’t a policy we chose, it’s federal law.
Details under Fees

Section 02

02

The economics

Why a creditor would take less.

It isn’t generosity. It’s arithmetic.

Chasing a balance costs money. Collection agencies take a cut, legal action takes time and staff, and a balance that’s already behind is one the creditor may never see in full. A certain payment today is often worth more to them than a larger maybe next year.

That’s the whole lever. We don’t have a secret relationship with anyone. We have an account with money in it and a settlement offer in writing, and that is what moves the conversation.

Certainty beats maybe. That’s the entire negotiation.

Section 03

03

Read this one

The tradeoffs, in writing.

Debt settlement isn’t for everyone. We’ll tell you if it isn’t for you. Until then, here is what it costs besides money.

01Credit
Credit scores usually drop.
Settlement means paying less than the full balance, and creditors report it that way. Accounts that were current will go past due while the dedicated account builds. If you need to borrow soon, that matters, and you should weigh it before you start.
02Balances
Balances can grow before they shrink.
While you save and before a settlement lands, interest and late fees keep accruing. The number on the statement may go up before it comes down.
03Creditors
Creditors can still call, and some can sue.
Enrolling doesn’t pause collection. Creditors keep their rights, including the right to take legal action. We work to settle before it gets there, but we can’t promise it never will.
04Taxes
Forgiven amounts may be taxable.
When a creditor cancels part of a balance, the IRS may treat that part as income. Talk to a tax professional before deciding. We aren’t one.
05Coverage
Not every creditor negotiates.
Some won’t. Some will only late in the process. We’ll be honest on the first call about which accounts we think we can move and which we can’t.

If any of this is a dealbreaker, it’s better to know now.

Ask us on the first call

Section 04

04

Fees

Nothing settles,
nothing owed.

One fee. Spelled out in the agreement before anything starts. Charged per debt, only after that debt settles and you approve it.

What it is
A single fee per debt, set as a percentage and written into the agreement before you start. No setup fee, no monthly fee, no hourly anything from us. The bank that holds the dedicated account has its own agreement with you, and any charge of theirs is in it.
When it’s charged
Only after that specific debt settles, you’ve approved the settlement in writing, and the first payment on that settlement has gone to the creditor. Not when you enroll. Not while you save.
If nothing settles
You owe us nothing, and the money in the dedicated account is still yours.
The law behind it
The FTC’s Telemarketing Sales Rule bars debt settlement companies from collecting a fee before a debt is actually settled. We run on that rule, not around it.

In one sentence You don’t pay us a penny until a debt actually settles. That’s federal law, and that’s how we run it.

Section 05

05

Due diligence

How to vet any debt relief company, including us.

Five signs of a company that’s playing straight. Hold everyone to them. Hold us to them.

1
No fees before results
If anyone asks for money up front, walk. It’s illegal for debt settlement, and it’s the clearest tell there is.
2
Everything in writing
The fee, the process, every settlement offer. If it’s only said out loud, it doesn’t count.
3
They tell some people no
A company that enrolls everyone is selling, not advising. Settlement is the wrong tool for a lot of situations.
4
No guarantees
Nobody can promise what a creditor will accept, how long it takes, or what a credit score will do. Anyone who does is guessing.
5
You stay in control
The money stays in an account you own. Nothing settles without your written approval. You can leave.

Ask us all five on the first call. We’d rather earn it than assume it.

See if it’s a fit

Section 06

06

Questions

Questions people actually ask.

What kind of debt qualifies?

Unsecured debt: credit cards, personal loans, medical bills, and some private collections. Not mortgages, auto loans, federal student loans, child support, or taxes. Those are secured or protected in ways settlement can’t touch.

Is there a minimum?

Programs typically start at $7,000 in unsecured debt. Below that, the math rarely works in your favor, and we’ll say so. Send the form anyway and we’ll point you somewhere useful.

What does this do to my credit?

It usually lowers it, at least for a while. Settled accounts are reported as settled for less than the full balance, and accounts go past due while the dedicated account builds. Weigh that against where things already stand. Some people are past the point where the score is the priority. Some aren’t.

How long does a program take?

It depends on the situation: how much is owed, how fast the dedicated account builds, and how each creditor responds. Some accounts settle early and some take longer. We won’t put a number on it before we’ve looked, and you should be wary of anyone who does.

What happens on the first call?

We ask about the balances, the income, and what’s been happening with creditors. We explain how settlement would work in your case and what it would cost. If it’s not a fit, we say that. No scripts, and no pressure to decide on the spot.

Can I quit?

Yes. The money in the dedicated account is yours. You can leave a program at any time, and you’d only owe fees on debts that already settled with your approval.

Will creditors stop calling?

Not automatically. Enrolling doesn’t pause collection, and some creditors may still take legal action. As accounts settle, the calls stop for those accounts. We won’t pretend otherwise.

Is this the same as credit counseling or bankruptcy?

No. Credit counseling usually means paying the full balance at a lower rate. Bankruptcy is a legal process with its own consequences and protections. Settlement sits between them. All three are worth understanding before choosing any of them, and we’ll tell you if one of the others fits better.

Section 07

07

About

Who’s behind this.

Vertex Resolution LLC is a debt settlement company built on the federal consumer protections that already exist: no fees before a debt settles, money kept in an account the client owns, written approval on every settlement.

There’s no wall of team photos here and no founding story with a garage in it. There’s a process we can explain in four steps and a fee we can explain in one sentence. That’s the pitch.

Vertex Resolution LLC
Sheridan, Wyoming
Unsecured debt only
Not a lender · Not a law firm
Fees only after a debt settles

Section 08 · Contact

See if it’s a fit.

Tell us a little about the situation. Someone will reach out within one business day. If it isn’t a fit, we’ll say so and point you somewhere useful.

No pressure · No scripts

Full name *

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Email *

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Phone *

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State *

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Estimated unsecured debt *

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Anything you want us to know (optional)

Check the box to send

We negotiate debt down. You get the final say.

Four steps. Nothing hidden.

A free evaluation call

A dedicated account, in your name

Negotiation, with your written approval

The fee, only after a debt settles

Why a creditor would take less.

The tradeoffs, in writing.

Credit scores usually drop.

Balances can grow before they shrink.

Creditors can still call, and some can sue.

Forgiven amounts may be taxable.

Not every creditor negotiates.

Nothing settles,nothing owed.

How to vet any debt relief company, including us.

No fees before results

Everything in writing

They tell some people no

No guarantees

You stay in control

Questions people actually ask.

Who’s behind this.

See if it’s a fit.

Nothing settles,
nothing owed.