{"id":4257,"date":"2023-09-11T17:45:36","date_gmt":"2023-09-11T17:45:36","guid":{"rendered":"https:\/\/www.beyondfinance.com\/blog\/?p=4257"},"modified":"2024-09-10T17:35:07","modified_gmt":"2024-09-10T17:35:07","slug":"the-road-to-your-first-resolution","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/the-road-to-your-first-resolution\/","title":{"rendered":"The Road To Your First Resolution Offer"},"content":{"rendered":"\n<p>It can be overwhelming to enter a debt resolution program without knowing exactly what to expect. But the clearer you are about what\u2019s happening behind the scenes \u2014 and when you can expect results! \u2013 the more confident you\u2019ll be.<\/p>\n\n\n\n<p>Read on to discover crucial aspects of the first few months of your journey so you can start feeling excited about your first Resolution Offer and the savings to come!<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#Why-Delay-Payments-to-My-Creditors?\">Why Delay Payments to My Creditors?<\/a><\/li>\n\n\n\n<li><a href=\"#When-Will-My-1st-Resolution-Offer-Arrive?\">When Will My 1st Resolution Offer Arrive?<\/a><\/li>\n\n\n\n<li><a href=\"#When-Will-Beyond-Finance-Contact-My-Creditors?\">When Will Beyond Finance Contact My Creditors?<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Why-Delay-Payments-to-My-Creditors?\">Why Delay Payments to My Creditors?<\/h2>\n\n\n\n<p>A critical part of the debt resolution process is establishing that you\u2019re experiencing a financial hardship. In other words, creditors need to see proof of your financial difficulties before they\u2019re willing to negotiate with our team and agree to a Resolution Offer. The most clear and direct way to establish this financial hardship is by choosing to stop making payments directly to the creditor.<\/p>\n\n\n\n<p>Stopping creditor payments over a period of time is commonly called a \u201cdelinquency period.\u201d Creditors know that as more time goes by within this period, the statistical chance that they receive further payments drops until it\u2019s virtually 0%.&nbsp;<\/p>\n\n\n\n<p>This is why you\u2019ll see a ramping up of calls and other collections activity during this delinquency period (some creditors set this at 90 days, others at 180 days). Remember, creditors benefit the most when you return to the cycle of making minimum payments and the compounding interest that goes along with it.&nbsp;<\/p>\n\n\n\n<p>As the likelihood of them receiving payment decreases, they become more willing to negotiate a Resolution Offer. At this point, they&#8217;d rather collect some amount of the debt rather than none at all.<\/p>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:5%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:75px\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" src=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2022\/01\/icon-lightbulb.png\" alt=\"\" class=\"wp-image-2668\"\/><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p><strong>PRO TIP:<\/strong><br>Sometimes your original creditor will refer your debt to a collections agency to help with the collections process. If you receive an alert that this has happened, it\u2019s normal! Just let our team know \u2014 we reach agreements with these 3rd-party agencies all the time.\u00a0<\/p>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"When-Will-My-1st-Resolution-Offer-Arrive?\">When Will My 1st Resolution Offer Arrive?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"776\" height=\"437\" src=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/12\/Road_to_first_debt_resolution_image_2.jpeg\" alt=\"\" class=\"wp-image-4415\" srcset=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/12\/Road_to_first_debt_resolution_image_2.jpeg 776w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/12\/Road_to_first_debt_resolution_image_2-300x169.jpeg 300w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/12\/Road_to_first_debt_resolution_image_2-768x432.jpeg 768w\" sizes=\"auto, (max-width: 776px) 100vw, 776px\" \/><\/figure>\n\n\n\n<p>Unless someone has already stopped payments before enrollment, clients will likely see their first Resolution Offer arrive 3\u20136 months into their program. The reason for this is directly tied to that \u201cdelinquency period\u201d explained in the section above.\u00a0<\/p>\n\n\n\n<p>You may notice that the two main delinquency periods \u2014 90 days and 180 days \u2014 directly link to the typical 1st offer timeline: 3 months \u2013 6 months.<\/p>\n\n\n\n<p>After this period elapses, the creditor has the proof they need that you\u2019re experiencing a financial hardship. Our team is also now able to point to your growing Dedicated Account, and say \u201cOur client is steadily making deposits and if you accept, they can repay a portion of the amount owed over this amount of time.\u201d This is why we\u2019re usually able to negotiate a client\u2019s first Resolution Offer so quickly after the delinquency period ends.<\/p>\n\n\n\n<p>Once in a while, a client may have to wait longer than 6 months to see their first Resolution Offer. This is almost always because our negotiations team is strategically targeting one of your larger accounts first. In this case, creditors will need to see more funds built up before they\u2019re willing to agree to a Resolution Offer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"When-Will-Beyond-Finance-Contact-My-Creditors?\">When Will Beyond Finance Contact My Creditors?<\/h2>\n\n\n\n<p>Sometimes a client will pick up a creditor call and hear \u201cBeyond Finance never even contacted us.\u201d The client will then understandably ask our team, \u201cWhy haven\u2019t you let my creditors know I\u2019m in the program? If you did, these creditor calls would stop!\u201d<\/p>\n\n\n\n<p>The truth is, we delay our contact with your creditors by design. There are two reasons for this:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Even if we did reach out to creditors early on, they would unfortunately not stop calling. They will always try their hardest to get to you first, convincing you to go back to making minimum payments, before they\u2019re willing to accept a Resolution Offer.<\/li>\n<\/ol>\n\n\n\n<ol class=\"wp-block-list\" start=\"2\">\n<li>It can actually put future Resolution Offers at risk if we contact creditors too early. &#8220;Too early&#8221; can mean before the delinquency period is complete or before we&#8217;re in a good negotiating position to reach an optimal agreement. <\/li>\n<\/ol>\n\n\n\n<p>For the second reason especially, we strategically delay our contact with each of your creditors until it&#8217;s in your best interest for us to do so.<\/p>\n\n\n\n<p>The most effective thing you can do to limit calls during this period is to <a href=\"https:\/\/www.komando.com\/security-privacy\/silence-spam-calls\/793063\/\">silence unknown numbers<\/a> (after adding <a href=\"https:\/\/www.beyondfinance.com\/contact-us\">Beyond Finance\u2019s contact information<\/a>), and send those calls straight to voicemail.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Final Words: We\u2019re Here to Support You<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"776\" height=\"437\" src=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/12\/Road_to_first_debt_resolution_image_1.jpeg\" alt=\"\" class=\"wp-image-4416\" srcset=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/12\/Road_to_first_debt_resolution_image_1.jpeg 776w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/12\/Road_to_first_debt_resolution_image_1-300x169.jpeg 300w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/12\/Road_to_first_debt_resolution_image_1-768x432.jpeg 768w\" sizes=\"auto, (max-width: 776px) 100vw, 776px\" \/><\/figure>\n\n\n\n<p>It can require patience to wait to see for yourself that the process works, but you don\u2019t have to do it alone! You can get support in a number of ways:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Visit <a href=\"https:\/\/www.beyondfinance.com\/blog\">our blog<\/a> for motivational content, client success stories, and education around the process.<\/li>\n\n\n\n<li>Join our weekly <a href=\"https:\/\/www.beyondfinance.com\/blog\/beyonds-weekly-video-series-join-the-conversation\/\">Financial Wellness Sessions<\/a> where you can meet other clients in the program and receive guidance from our financial therapists.<\/li>\n\n\n\n<li>Reach out to our team! We\u2019ll always be here to walk you through your progress, help you understand what to expect next, and offer some words of encouragement.<\/li>\n<\/ul>\n\n\n\n<p>Whether it comes at the 3-month point, or a little later down the line, rest assured that our team is ready to jump into action to secure your first Resolution Offer as soon as possible!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Discover crucial aspects about the first few months of your journey so you can start feeling excited about your first resolution and the savings to come!<\/p>\n","protected":false},"author":11,"featured_media":4414,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[133],"tags":[],"class_list":["post-4257","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-client-support"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Road To Your First Resolution Offer - Beyond Finance<\/title>\n<meta name=\"description\" content=\"Debt resolution is an effective way to get out of debt, but it\u2019s not an overnight process. Learn what to expect while you wait for your 1st resolution offer.\" \/>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Road To Your First Resolution Offer - Beyond Finance\" \/>\n<meta property=\"og:description\" content=\"Discover crucial aspects about the first few months of your journey so you can start feeling excited about your first resolution and the savings to come!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.beyondfinance.com\/blog\/the-road-to-your-first-resolution\/\" \/>\n<meta property=\"og:site_name\" content=\"Beyond Finance\" \/>\n<meta property=\"article:published_time\" content=\"2023-09-11T17:45:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-10T17:35:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/09\/Road_to_first_debt_resolution_header.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"776\" \/>\n\t<meta property=\"og:image:height\" content=\"437\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Stella Martin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:description\" content=\"Discover crucial aspects about the first few months of your journey so you can start feeling excited about your first resolution and the savings to come!\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Stella Martin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/the-road-to-your-first-resolution\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/the-road-to-your-first-resolution\/\"},\"author\":{\"name\":\"Stella Martin\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/person\/024257f55492e1915da34c62cb983536\"},\"headline\":\"The Road To Your First Resolution Offer\",\"datePublished\":\"2023-09-11T17:45:36+00:00\",\"dateModified\":\"2024-09-10T17:35:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/the-road-to-your-first-resolution\/\"},\"wordCount\":899,\"publisher\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/the-road-to-your-first-resolution\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/09\/Road_to_first_debt_resolution_header.jpeg\",\"articleSection\":[\"Client Support\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/the-road-to-your-first-resolution\/\",\"url\":\"https:\/\/www.beyondfinance.com\/blog\/the-road-to-your-first-resolution\/\",\"name\":\"The Road To Your First Resolution Offer - Beyond Finance\",\"isPartOf\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/the-road-to-your-first-resolution\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/the-road-to-your-first-resolution\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/09\/Road_to_first_debt_resolution_header.jpeg\",\"datePublished\":\"2023-09-11T17:45:36+00:00\",\"dateModified\":\"2024-09-10T17:35:07+00:00\",\"description\":\"Debt resolution is an effective way to get out of debt, but it\u2019s not an overnight process. 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