Frequently asked questions

What is Green Light Debt Relief?

Green Light Debt Relief is a trusted debt relief company that helps individuals eliminate credit card debt and unsecured loans through customized debt reduction programs.

How long has Green Light Debt Relief been in business?

We’ve been helping people eliminate debt since 1998—offering a proven alternative to bankruptcy.

QUESTION 1

1. Is Green Light Debt Relief a legitimate company?
   Yes! We are a top-rated debt relief provider with excellent client reviews and over 25 years of experience.

2. Where is Green Light Debt Relief located?
   Our headquarters is at 1968 S Coast Hwy, Laguna Beach, CA 92651.

3. How do I get started with Green Light Debt Relief?
   Call us at (877) 870-0717 or fill out our online form for a free consultation.

Debt Relief Program & Process

6. How does debt relief work?
   We negotiate with creditors to reduce your total balance, interest rates, and monthly payments, helping you get out of debt faster.

7. What types of debt does Green Light Debt Relief help with?
   We assist with:
   ✅ Credit Card Debt
   ✅ Unsecured Loans
   ✅ Medical Bills
   ✅ Lines of Credit
   ✅ Collection Accounts

8. Does debt relief eliminate all my debt?
   Debt relief programs can reduce your overall debt, but you are still responsible for repaying the agreed-upon settlements.

9. How long does the debt relief process take?
   The average program takes 12 to 48 months, depending on your total debt amount and ability to make payments.

10. Can I still use my credit cards while enrolled in a debt relief program?
    No. Once you enroll, you should stop using credit cards to prevent increasing your debt balance.

Impact on Credit & Financial Health

11. Will debt relief hurt my credit score?
    Initially, your credit score may drop, but as you reduce debt and avoid late payments, your score can recover over time.

12. How does debt relief compare to bankruptcy?
    Debt relief helps you settle debt without court involvement and avoids the severe long-term credit damage of bankruptcy.

13. Will I still receive creditor calls while in the program?
    Some creditors may still contact you, but we work to minimize calls and negotiate on your behalf.

14. Do I have to pay taxes on forgiven debt?
    In some cases, forgiven debt may be taxable. However, you may qualify for IRS exemptions based on financial hardship.

15. How can I rebuild my credit after completing a debt relief program?
    ✔ Make all payments on time
    ✔ Use a secured credit card responsibly
    ✔ Monitor your credit report for accuracy

Costs & Eligibility

16. Do I qualify for a debt relief program?
    You may qualify if you:
    ✔ Have $10,000 or more in unsecured debt
    ✔ Struggle to make minimum payments
    ✔ Want an alternative to bankruptcy

17. How much does debt relief cost?
    We charge no upfront fees. Our fees are included in the program and are only paid when we successfully reduce your debt.

18. Can I cancel my debt relief program?
    Yes, you can cancel at any time without penalties, though staying in the program ensures the best results.

Savings & Financial Tips

19. How can I save money while paying off debt?
    ✅ Cut unnecessary expenses (subscriptions, dining out, etc.)
    ✅ Negotiate lower bills (phone, internet, insurance)
    ✅ Set aside a small emergency fund

20. What’s the best strategy to stay out of debt after completing the program?
    ✔ Stick to a budget
    ✔ Avoid high-interest credit cards
    ✔ Build an emergency savings fund

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