Question 1

Is the consultation really free?

Accepted Answer

Yes. The consultation is free and there's no obligation to enroll in anything. It's a conversation to understand your situation and explain options.

Question 2

Does checking my options affect my credit score?

Accepted Answer

Completing our form does not involve a credit check and does not affect your credit score. If you later choose a specific program, that provider will explain any credit review it requires before it happens.

Question 3

What happens after I submit the form?

Accepted Answer

A Falls View specialist will contact you to schedule your consultation. On the call, we'll listen to your situation, explain the options that may fit and answer your questions. You decide what, if anything, to do next.

Question 4

What kinds of debt can you help me understand?

Accepted Answer

We focus on unsecured debt such as credit cards, personal loans, medical bills, collections and some private student loans. Mortgages, auto loans, federal student loans and tax debt generally aren't part of these programs.

Question 5

Is debt relief right for everyone?

Accepted Answer

No. Debt relief isn't right for everyone, and for some people a budget, credit counseling or consolidation is a better fit. Part of our job is to tell you honestly if that's the case.

Question 6

Can you guarantee how much I'll save?

Accepted Answer

No. Results depend on your creditors, your debts and your circumstances. Creditors aren't required to negotiate, and no one can promise a specific savings amount, settlement or timeline.

Question 7

Will debt relief hurt my credit?

Accepted Answer

It can. Debt settlement in particular can have a significant negative effect on your credit, especially if accounts become delinquent. We'll explain the trade-offs of each option before you decide.

Question 8

Is this a government program?

Accepted Answer

No. Falls View Capital is a private company. We are not affiliated with any government agency.

Question 9

Do you sell my information?

Accepted Answer

We don't sell your information to other companies. If a third party is ever involved in a program you choose, we'll tell you who they are first and ask for your separate permission.

Question 10

How do I stop calls or texts?

Accepted Answer

Reply STOP to any text, tell any representative, call (888) 896-0608, or use our communication preferences page. We honor requests by any reasonable means.

Questions, answered plainly.

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