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Resident Advocate offers you this free service to resolve your debt without speaking with a collector.

This communication is from a debt collector, and is an attempt to collect a debt. Any information obtained will be used for that purpose.

New York City Consumers Only: Resident Advocate does not provide language access services. A translation & description of commonly used debt collection terms is available in multiple languages at https://www1.nyc.gov/site/dca/consumers/Glossary-of-Common-Debt-Collection-Terms.page

Account Number and PIN Code have been provided by phone or on the invitation letter.

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Pay Your Balance in Full

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Frequently Asked Questions

Where do I find the Account Number and Pin for my account?

The Account Number and Pin should be clearly identified on the collection letter from Resident Advocate or provided during a phone call. If you don’t know your account number you will Read more... need to speak with us directly. You may reach a representative by calling 1-866-438-3492. Read less...

What if my Account Number and Pin Number don't work?

Confirm you have correctly entered the Account Number and Pin Number. If you still cannot log in, your information may be incorrect or the creditor's special opportunity may have expired. Read more... You may reach a representative by calling 1-866-438-3492. Read less...

Which option is right for me?

Only you can decide which option is best for you to resolve your debt. In reviewing the available options, make sure to select an option and payment that you truly can afford. Should Read more... you miss a payment, the agreement may be voided and full balance may be come due. Consider if you can afford to pay the full balance due today or over monthly payments. If paying in full is not affordable, even with monthly payments, offer to resolve your account for less than what you owe. If these payment options are not right for you today, please contact a representative at 1-866-438-3492 to discuss your options in further detail. Read less...

What if I don't have money right now?

Even if you don’t have money today, there are options to resolve your debt today. Your creditor has offered several flexible options to assist you to resolve your account today. Review Read more... the options available; consider if you can spread the payment or resolution amount over more affordable monthly installments and if you can defer the first payment. Should you not be able to reach an agreement today, there are other ways to manage and resolve your problem debt. Please contact a representative at 1-866-438-3492 to discuss your options in further detail. Read less...

Can I really resolve my debt for less than the balance?

Yes! All reasonable offers to resolve your account for less will be considered by Resident Advocate. Should Resident Advocate accept the offer, you’re debt will be resolved for less Read more... than you owed once all payments are received. Should your offer not be accepted, Resident Advocate will present counter offers for your review. Take advantage of this opportunity today, and enjoy substantial savings. Read less...

How much should I offer to resolve my debt for less?

Resident Advocate will consider all reasonable offers. You are encouraged to start with the highest amount that you can definitely afford. You are able to submit subsequent offers should Read more... your first offer be too low for Resident Advocate to accept. When an offer is not acceptable, Resident Advocate will present counter offers for you to review. You can either accept one of the counter offers or present a different amount. Eventually Resident Advocate will stop making counter offers. At which point, you are encouraged to accept one of the creditor's final offers or contact a representative at 1-866-438-3492. Read less...

What is a Counter Offer?

A counter offer is an alternative resolution amount that the creditor presents back to you, if your original offer is declined. If your proposed amount is declined, you may receive Read more... up to 3 counter offers each time, shortly after it is submitted. To resolve your debt, you can either accept one of these counter offers or present a different amount. Eventually, the creditor will stop making counter offers. At which point you will either have to accept one of these final offers or contact a representative at 1-866-438-3492 to discuss your options in further detail. Read less...

Over how many months can I resolve my account?

The range of months is set by the creditor. The system will not allow you to set up payment arrangements beyond the range permitted by the creditor. Consider what you can realistically Read more... afford to pay each month. Remember that if you miss a payment or are late in paying, the agreement may become null and void. Make sure that you feel confident about your ability to pay the agreed upon scheduled amount each month for the entire term of the agreement. Read less...

What payment methods do you accept?

You can pay with your major debit or credit card. We accept Visa, Master Card, American Express and Discover. You may also set up direct withdrawal from your checking account.

When are the payments withdrawn?

The payment(s) will be withdrawn on the date(s) that you select. Payments made outside the creditor's business hours, will be posted on the next day. Our web site does not send you Read more... confirmation of monthly payments. Read less...

What happens if I am late in making a monthly payment towards my resolution?

Should Resident Advocate receive a late payment, the agreement may be considered null and void. The full balance, less any payments applied to the account, may be due. If you anticipate Read more... being late with a payment, contact Resident Advocate directly to discuss what options may be available to you. Read less...

Will I pay taxes on the amount of debt forgiven?

We do not provide tax advice. The following is for general information purposes only. The discharge of indebtedness may be considered taxable income. Resolutions that result in debt Read more... forgiveness of an amount equal to or greater than $600 may be reported to Internal Revenue Service. As to whether you will have a tax consequence is based on your specific financial situation at the time of the account resolution. For more information, visit www.irs.gov or seek the advice of a tax professional or other qualified advisor. Read less...

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