Frequently Asked Questions
Debt's confusing. Credit scores feel like mystery math. We get it. That's why we've put together answers to the questions we hear most often. Can't find what you're looking for? Just call or email us. We're here to help.
We help people dig out from under debt and rebuild their credit. That means creating a realistic plan to pay down what you owe, negotiating with creditors on your behalf, and coaching you through the whole process. We don't lend money. We don't charge crazy fees. We just work with you to get things back on track. Most clients see real progress within 6 to 18 months.
No hidden fees. No upfront payments before we do anything. We charge a flat monthly fee that depends on your specific situation — typically between 2,500 and 8,500 CZK. You only pay once we've actually negotiated a deal with your creditors. Some clients pay nothing if we can't get results. We'll tell you the exact cost before you commit to anything.
That depends on how much debt you're carrying and which creditors you're dealing with. Simple cases? 8 to 12 months. Messier situations might take 24 to 36 months. We won't sugarcoat it — fixing credit takes time. But we'll show you progress every step. You'll get monthly reports, see your debt dropping, and watch your credit score climb.
Honestly? No. We can't promise a number. What we can promise is solid strategy and hard work. We'll negotiate lower balances, push for better payment terms, and help you build good habits. When you pay down debt and make on-time payments, your score rises. It's not magic — it's math. Most of our clients see 40 to 80-point improvements within 12 months.
Yes. We're based in Olomouc, but we work with clients throughout the country. Meetings happen mostly over phone or video. Paperwork's all digital now, which makes things easier. If you need to meet in person, we can arrange that too. Location doesn't hold you back from getting help.
Call us at +420 686 439 794 or shoot an email to [email protected]. Either way, we'll set up a free consultation — no strings attached. You'll talk through your situation with someone who actually listens. Then we'll show you options and let you decide. That's it. Easy.
Once we start working with your creditors, the calls should slow down significantly. We become the contact point. Creditors prefer talking to us because they know a deal's likely coming. You might still get some calls early on, but the constant harassment stops. It's one of the first things people notice — the peace and quiet.
Collections accounts are tougher, but not impossible. We've negotiated with collectors hundreds of times. Often we can settle for less than you owe. Your credit will take a hit from the collection itself, but paying it off — especially through us — shows creditors you're serious. We've helped plenty of people recover from collections.