BDA Cost & Fees, Full Transparency

We tell prospects the good, the bad, and the ugly on the first call. That includes our full fee structure. No surprises. Performance-based. FTC TSR-compliant, no upfront fees beyond a one-time setup fee that’s typically negotiated.

One-Time Setup Fee

• Standard: $750-$995
• Typically negotiated to $395-$595 based on situation
• Added to first weekly payment only
• Activates your specialist team

Custodial Account Maintenance

• $99/month
• Built into your sustainable monthly payment (not separate)
• Reliant Account Management (RAM), FDIC-insured
• 24/7 access to track payments to lenders

Performance-Based Fees (Bulk of BDA’s Cost)

• Enrolled fee: paid as program progresses
• Settlement Success fee: paid only when each debt is settled at savings
• Total program cost typically 30-40% of total enrolled debt
• Compared to: paying 100%+ to lenders if you continue current MCAs

Optional Fees (Rare)

• Skip-payment fee: $19.95 (anti-penalty, uses custodial account)
• File reinstatement: $299 (only if file canceled for non-communication)
• Renegotiation: $699 (almost never used in practice)

What You DON’T Pay

• No upfront fees beyond setup
• No interest (this isn’t a loan)
• No prepayment penalties
• No cancellation fees during the program

TSR Compliance

The FTC Telemarketing Sales Rule prohibits debt settlement companies from charging fees before settling at least one debt. BDA operates squarely inside that rule. If a debt settlement company asks for substantial money upfront beyond a setup fee, walk away.

Comparison: Continuing MCAs vs. BDA Program

Get your specific numbers, free 15-min call

We’ll walk through your enrolled debt and tell you the exact program structure that fits your situation.

Talk to a Specialist