For your Progress Law program to work, you have to voluntarily choose to stop paying your creditors.

That choice to stop paying signals to your creditors that you can no longer afford payments. At that point, we can step in and negotiate with them. However, the choice to stop paying creditors can lower your credit score in the short term.

Here’s the good news: our research shows that your credit score should recover if you stay in the program, stick to your deposit schedule, and resolve your debt.

In our extensive study, we found that clients who graduate from our program leave with a credit score that is higher than they first enrolled. That higher score is a reflection of less debt and a much stronger financial footing.

Plus, their credit score continues to increase after graduating, so the good news continues.