Once you are enrolled into the “Savings and Settlement Plan” you are assigned a Settlement Coach; your main point of contact for the program. Each Settlement Coach has a team of assistants that will assist you with payment questions, creditor questions and your overall progress throughout the program. Initially, they will discuss with you the objective of your savings plan, how it is used to settle your accounts, the effects this program will have on your credit report, as well as the different methods creditors and collection agencies take when trying to collect on your accounts. They will also assist you in trying to reduce those harassing creditor calls as best they can.

SCOA has implemented relationships with third party agencies to assist in certain areas outside of our specialty; one area is harassing creditor calls. One of our Affiliates focuses on making sure those creditors and collectors that do not adhere to the FDCPA (Fair Debt Collection Practices Act) are held accountable for their disregard of your rights. If a creditor or collector violates the FDCPA, one of our third party Affiliates will assist you in the enforcement of your rights, allowing you to keep 100% of the court issued earnings, at no charge to you.

Another benefit of SCOA is a relationship we have in place to assist you if any of your accounts go into a legal status. Reality is that all creditors have the right to attempt to collect on your debt, per your contractual agreement when the credit was issued to you, including pursue legal action if you default on your monthly obligation. This Affiliate will assist in advising on a paralegal level and, if necessary, will assist you in person. Based on the nature of your situation, the service may be complimentary; if not, the charge for their service is highly discounted because you are a client of SCOA.

SCOA specializes in implementing a savings plan for consumers throughout certain parts of the country, in an effort to assist them in the reduction of their debt. Through a proven system, SCOA has circumvented the traditional retail format that consumers have experienced in the past, making the debt settlement experience as educational as possible for all involved parties.

Considering that all terms and monthly savings payments are estimates, Program Term and Settlement Amounts will vary.

SCOA works to reduce your debt. The key ingredient to finding success with the SCOA “Savings & Settlement Plan” is a combination of adhering to the payment schedule, and effective communication between you and your Settlement Coach.