EXAMPLE / PREPARING YOUR OPTIONSYour review checklist
A full picture before you choose.
3of 4
Account pictureOrganized
Supporting recordsConnected
Questions for reviewPrepared
Provider termsReview next
Program fees≠Creditor obligations
Start with your account picture, supporting records and questions.
Four preparation steps, each with a purpose.
02 / Your supporting story
Keep the context connected.
Current balances, account types and collection status. Income and essential-expense information for the secure review. Any notices, offers and payment deadlines.
Your review conversationExample messages · never sent
2 messages
Your question
Where should I keep the collector’s letter and the dates I was contacted?
Original notice.pdf12 Oct · connected to this question
Example reply
The original record gives the question its context.
A specific question starts the conversation.
Illustrative data. Your circumstances and independent review shape the possible paths.
Find the support that fits.
Who this may suit
Repayment pressure makes you want to compare an affordable plan with other options.
What this helps you do
Get the account picture and essential costs in view.
Separate program fees from creditor obligations.
Prepare questions about terms, risk and alternatives.
What an individual review needs to confirm
Account type, affordability, state availability and provider criteria need individual review. Creditor participation and savings are not guaranteed.
Compare direct creditor hardship help and nonprofit counseling before choosing a provider.
Understand first. Decide with the facts.
Confirm the accounts and a sustainable budget. Compare direct creditor hardship help, nonprofit counseling and other professional options.
What the review can—and cannot—tell you
A creditor may reject a settlement. Missed payments may harm credit, increase balances and lead to collection or lawsuits. Fees, taxes and completion risk affect the full cost. No repayment percentage or savings is promised.
A credit report adds account detail, but your notices, communications, contracts and budget matter too. Any urgent court deadline comes first.
How your review moves forward.
1
Build your starting picture
Tell us about your accounts, payment pressure and what happened. Optional hardship context helps explain your situation.
2
Review evidence and options
Consider rights concerns, disputed information and suitable repayment or specialist paths. These can be separate tracks.
3
Choose before sharing
Before a referral, see the professional’s identity, role, availability and terms. Ask about fees and any referral compensation; choose whether to continue.
Your decision. With the details in view.
Independent settlement providers or counselors assess availability and their own terms.
NewLeaf’s software and education are separate from independent professional services. A review does not guarantee case acceptance, compensation or an outcome.