Frequently Asked Questions

First Advantage helps people struggling with debt find the right path forward. We get to know your situation and connect you with debt-relief providers suited to your needs — so instead of sorting through a crowded, confusing market on your own, you start with options that actually fit. Exploring those options is free, and there’s no obligation.

Using First Advantage is free for you. We don’t charge you to be matched with a provider. The providers we connect you with will explain their own services, terms, and any fees directly — and they typically offer a free initial consultation, so you can understand your options before committing to anything.

You share some basic information about your situation, and we use it to match you with one or more providers that fit your needs. From there, you connect with the provider — usually starting with a free consultation — and they walk you through their specific approach. The decision about whether to move forward is always yours.

It depends entirely on your situation. For some people the best fit is debt settlement; for others it may be consolidation, and in some cases it could be something else, like exploring bankruptcy with a qualified professional. There’s no one-size-fits-all answer, which is the whole point of matching — we focus on connecting you with a provider whose approach actually fits where you are.

This generally helps people with unsecured debt — things like credit cards, personal loans, and some medical bills. Secured debts, such as mortgages or auto loans, and certain obligations like child support and most tax debt usually work differently, so the right path for those may look different too. The simplest way to find out what fits your situation is to start the process and let us point you in the right direction.

It depends on your situation and the option that fits you best, so no one can honestly promise a specific result. Savings depend on factors like your total debt, who your creditors are, and your financial circumstances. Be cautious of anyone who guarantees a specific percentage or outcome — results are never guaranteed. The provider you connect with can give you a realistic picture based on your specific situation.

That varies depending on your circumstances and the approach that fits you. Some paths resolve faster than others, and timelines can shift based on your budget and how things progress with your creditors. The provider you’re matched with will walk you through what to realistically expect for their specific program.

You can absolutely contact creditors on your own. What First Advantage offers is a head start: instead of researching and vetting the debt-relief market yourself, we help you skip to providers that fit your situation, so your first conversation is already a relevant one. From there, the choice is entirely yours.

Getting started is free and takes just a few minutes. Share a little about your situation through our quick evaluation, and we’ll connect you with a provider suited to your needs — often with a free consultation as the first step. There’s no cost and no obligation; the first step is simply understanding where you stand.