Frequently Asked Questions

Click on a question to view the answer.

Are your services really free?

Why would Merit Consumer Services provide these services for no charge?

How does debt mediation work?

How much discount can I expect?

What types of debts can you mediate?

Does debt mediation affect my credit score?

I have a debt and the payments are current but I don’t think I can keep up the payments. Can that debt be mediated?

Will the creditor continue to call me during the debt-mediation process?

Can I be sued?

Can my wages be garnished?

What is the difference between debt mediation and credit counseling?

Can I file bankruptcy?

Can I do debt mediation myself?

I heard that I might have to pay more taxes. Is that accurate?

Is debt mediation right for me?

Last date of revision: February 3, 2019