Will I Have to Stop Making Payments to My Creditors?

TABLE OF CONTENTS

• 1. Centralized Payments Through Escrow
• 2. Strategic Leverage for Negotiation
• 3. Protection Against Further Debits
• 4. Legal Support and Communication

Yes, in most cases, you will need to stop making direct payments to your creditors once you enroll in DCG’s debt relief program. This is a key part of the strategy that allows us to negotiate on your behalf and restructure your debt into a more manageable solution.

Here’s why this is necessary—and how it works:

1. Centralized Payments Through Escrow

Instead of making multiple payments to various creditors, you’ll begin making one consolidated weekly payment into your dedicated third-party escrow account. These funds will be used to:

• Build savings for lump-sum settlement offers

• Pay program fees (only when we reach a settlement)

• Cover banking and administrative costs

This centralization allows us to control the timing and terms of each settlement negotiation.

2. Strategic Leverage for Negotiation

When payments stop, creditors often become more open to negotiating a reduced balance or extended terms—especially when your financial hardship is well-documented. Our legal and negotiation teams use this leverage to work toward favorable settlements that can significantly reduce the total amount you owe.

3. Protection Against Further Debits

If you’re enrolled with merchant cash advance (MCA) lenders or other aggressive creditors, stopping payments helps protect your business from continued auto-debits and account freezes. As part of your enrollment, we’ll guide you in:

• Opening a new business bank account

• Changing merchant processors (if required)

• Redirecting deposits and operating cash flow

4. Legal Support and Communication

Once you’re in the program, our team begins communicating directly with your creditors. We notify them that you’ve retained representation and are entering into a structured resolution plan. This often slows down or stops collection calls, legal threats, and payment demands.

⚠️ Important Note:

You should not stop making payments on your own before enrolling in the program and receiving specific instructions from our team. Premature non-payment without legal protection or a strategy in place could lead to collections or legal action.

Still have questions about how this works? Contact DCG for a personalized consultation—we’ll walk you through the process and help you understand exactly what to expect.