Get Out of Debt ♦ Save Money ♦ Live Better

GRT Financial, Inc. (“GRT”) is a licensed provider of performance-based debt mediation programs that aim to settle debts with your creditors. GRT does not provide debt consolidation or credit management services, and does not pay consumer debts. These programs are not being offered by any governmental agency. GRT does not guarantee a particular result. Debt forgiveness depends on individual circumstances. Your individual results will vary based on your creditors’ willingness to settle and your ability to save funds. Statements concerning results are general examples of past performance and are not intended as a guarantee. Programs are not available in all states. In some states, we may refer you to professionals who provide services. GRT does not provide tax, legal, or credit advice. If you seek such advice, you should consult with a tax specialist or attorney. The choice of a lawyer is an important decision and should not be based solely upon advertisements. GRT charges fees when it settles a debt and is calculated as a percentage of your enrolled debt. Entering into a debt settlement plan may adversely affect your credit rating or credit scores. Nonpayment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation.

Clients who are able to stay with the program and get all their debt settled realize approximate savings of 55% of their enrolled debt  before fees, or 32% including our fees, over 12 to 48 months. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results and averages, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors, make loans, or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating.

*The full range of available rates varies by state. The average 3-year loan offered across all lenders using the Upstart platform will have an APR of 21.97% and 36 monthly payments of $35 per $1,000 borrowed. For example, the total cost of a $10,000 loan would be $12,646 including a $626 origination fee. APR is calculated based on 3-year rates offered in the last 1 month. There is no down payment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application.

Upon establishing a debt management plan for a debtor, a licensee may charge and receive an initial fee of $50.00. However, unless 51% or more in number or dollar amount of all the debtor’s creditors consent to the debt management program within 90 days of establishing the debt management plan, the licensee shall provide notice to the debtor of the lack of required consent and the debtor may, at its option, close the account. If the debtor decides to close the account, any unexpended funds shall be returned to the debtor or disbursed as directed by the debtor.