The Step‑by‑Step Timeline of a Debt Settlement Program

Knowing what to expect makes settlement less intimidating. Here’s a typical timeline.

Month 1–3

• Enrollment

• Stop payments to creditors

• Begin saving into dedicated account

Month 4–12

• Accumulate funds

• Negotiate first settlements

Month 12–24+

• Continue settlements until all accounts resolved

• Credit recovery planning begins

Fintrustia provides clear timelines and milestone tracking, so clients know exactly where they stand.