Most debt-settlement firms require you to pay an upfront fee , plus a monthly retainer . If the debt is not paid in full within 30 days of receiving notice, then they will garnish your wages and withhold tax from your paycheck until it's paid off ( or at least reduced ). That environment created an opportunity for the debt-settlement firms to pop up with their false promises that they alone knew how to defeat the banks . `` Call to Action '' aims to help consumers with credit card debt avoid bankruptcy .
Most debt-settlement firms require you to pay an upfront fee , plus a monthly retainer . If the debt is not paid in full within 30 days of receiving notice, then they will garnish your wages and withhold tax from your paycheck until it's paid off ( or at least reduced ). `` Call to Action '' aims to help consumers with credit card debt avoid bankruptcy .