You must be at least 18 years of age and reside in the United States or Canada, excluding any of the following states:

• North Dakota
• South Dakota

You must have a minimum of $5,000 in unsecured debt e.g.

• Credit Cards
• Department Store Cards
• Medical Bills (in collections outside the original creditor)
• Vehicle Repossession Balances
• Personal Revolving Lines of credit
• Personal Unsecured Loans (in collections outside the original creditor)
• Utilites (in collections outside the original creditor and no longer in service)
• Cash Call Loans (in collections outside the original creditor; issued by a bank within the United States)

You must be employed or have a provable source of income and a valid checking or savings account. You cannot be on disability.
If you ever filed bankruptcy then you must be completely dismissed as of today. (You are not eligible if you have already hired a bankruptcy attorney.)

You must be able to answer “YES” to one or more of the following questions:

• Are you finding it difficult to make your minimum monthly payments and still afford your necessary living expenses?
• Are you currently behind making your minimum monthly payments?
• Are you about to fall behind on your bills?