Built for speed, clarity, and lower payments.
Cut Your Monthly Credit Card Payments in Half & Become Debt-Free in Elgin, IL
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One Lower, Stress-Free Monthly Payment
Replace five or six overwhelming credit card bills with one comfortable monthly deposit designed around your household budget.
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$0 Upfront Fees — 100% Performance Guarantee
Protected by federal FTC rules, you never pay a single penny in settlement fees until we reduce your balance and you approve the deal.
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Debt-Free in 24–48 Months (Not 28+ Years)
Escape the minimum-payment trap without filing for bankruptcy while keeping your funds in an FDIC-insured account you control.
Mathematical Amortization vs. Hardship Settlement ($35,000 Revolving Balance at 23.99% APR)
Under standard credit card minimum-payment formulas (1% of principal + monthly accrued interest at 23.99% APR), a $35,000 balance requires $1,049/mo initially and takes over 28 years to amortize. Below is the side-by-side mathematical breakdown:
| Financial Metric | Status Quo | With Easy Button Funding |
|---|---|---|
| Initial Monthly Outflow | $1,049 / mo (23.99% APR Minimums) | ✓ $535 / mo (36-Month Escrow Deposit) |
| Total Principal + Interest Paid | $76,340 (includes $41,340 interest) | ✓ $19,250 – $24,500 (including performance fee) |
| Payoff / Resolution Horizon | 342 Months (28.5 Years) | ✓ 24 to 42 Months |
| Upfront Retainer / Setup Fee | Compounding Daily Interest | ✓ $0.00 Mandatory (16 CFR § 310.4(a)(5)) |
Frequently asked questions
How does FTC Telemarketing Sales Rule 16 CFR § 310.4(a)(5) protect consumers in debt settlement?
Under 16 CFR § 310.4(a)(5)(i), no debt relief provider may request or receive any fee until (1) it has renegotiated, settled, reduced, or otherwise altered the terms of at least one debt pursuant to a settlement agreement approved by the consumer, (2) the consumer has made at least one payment pursuant to that settlement agreement, and (3) the fee is proportional to the debt settled.
Where are my monthly program deposits held prior to creditor settlement?
Under 16 CFR § 310.4(a)(5)(ii), monthly accumulation deposits must be held in an account at an insured financial institution that the consumer owns and controls. You retain the right to withdraw your accumulated funds at any time without penalty.
How is a credit card issuer's settlement floor calculated during charge-off?
Major card issuers typically charge off delinquent revolving accounts at 180 days past due under FFIEC Uniform Retail Credit Classification guidelines. Before selling a charged-off portfolio to third-party debt buyers for 8 to 14 cents on the dollar, internal recovery desks frequently accept structured lump-sum or term settlements between 40% and 55% of the charged-off balance.
Is forgiven credit card debt taxable on IRS Form 1099-C?
Creditors must issue IRS Form 1099-C when $600 or more of principal is canceled. However, under Internal Revenue Code (IRC) § 108(a)(1)(B), if your total liabilities exceeded the fair market value of your total assets immediately before the discharge, you qualify for the federal insolvency exclusion by filing IRS Form 982 with your tax return.
What is the difference between FDCPA § 1692g debt validation and credit bureau disputes?
Within 30 days of receiving a third-party debt collector's initial written notice, 15 U.S.C. § 1692g(b) grants you the statutory right to demand written verification of the original creditor, chain of title, and itemized accounting. Collection activity must cease until the collector mails verification.
How does my state's statute of limitations affect old unsecured debt?
Every state enforces a statutory limitation period (ranging from 3 years in NY, NC, MS, MD, SC, AL, DE, KS, LA, NH to 6 years in TX/CA/FL/GA/NJ/PA/IL/OH depending on state code) after which a creditor or debt buyer is time-barred from filing a lawsuit. Under Regulation F (12 CFR § 1006.26), suing or threatening to sue on time-barred consumer debt is a federal violation.
Illinois (IL) Consumer & Commercial Regulatory Protections
Easy Button Funding operates in alignment with federal guidelines (FTC Telemarketing Sales Rule (16 CFR § 310.4(a)(5)), Fair Debt Collection Practices Act (15 U.S.C. § 1692), and IRC § 108(a)(1)(B) Form 982 Insolvency Exclusion) and Illinois Dept. of Financial and Professional Regulation (IDFPR) under the Illinois Collection Agency Act (225 ILCS 425/) & 735 ILCS 5/13-205 (5-year written contract limitation period; 85% of gross earnings or 45x Illinois state minimum wage exempt from wage deduction).
Easy Button Funding Guides & Resources
Credit Card Hardship Settlement & Principal Write-Down Protocol (16 CFR § 310.4) →Chase Credit Card Hardship Program & Principal Settlement Percentage Calculator (2026) →American Express (Amex) Financial Relief Program vs. Direct Principal Settlement Guide →Capital One, Discover & Citi Charge-Off Settlement Percentage Matrix (2026) →Direct Debt Settlement vs. Chapter 7 & Chapter 13 Bankruptcy Cost & Credit Comparison →2026 State Statute of Limitations & FDCPA § 1692g Debt Validation Reference →IRS Form 1099-C & Form 982 Insolvency Exclusion Calculation Guide →Chase Credit Card Hardship & Settlement Calculator (2026) →American Express Hardship Program vs. Consolidation Guide →Capital One, Discover & Citi Settlement Percentage Matrix →Midland Credit Management & Portfolio Recovery Settlement Guide →Debt Settlement vs. Chapter 7 & 13 Bankruptcy Calculator →
Serving Major US Markets
Savannah, GA (fast installment credit)Durham, NC (debt relief)High Point, NC (credit card settlement)Sterling Heights, MI (hardship program)Jersey City, NJ (debt consolidation)Woodbridge, NJ (same day cash)Norfolk, VA (fast installment credit)Spokane, WA (debt relief)Everett, WA (credit card settlement)Lakewood, CO (hardship program)Boulder, CO (debt consolidation)Lowell, MA (same day cash)Clarksville, TN (fast installment credit)Rockville, MD (debt relief)Independence, MO (credit card settlement)Henderson, NV (hardship program)Tulsa, OK (debt consolidation)Eugene, OR (same day cash)Lexington, KY (fast installment credit)Birmingham, AL (debt relief)Columbia, SC (credit card settlement)Des Moines, IA (hardship program)Little Rock, AR (debt consolidation)Meridian, ID (same day cash)Honolulu, HI (fast installment credit)Hartford, CT (debt relief)Wilmington, DE (credit card settlement)Billings, MT (hardship program)Burlington, VT (debt consolidation)Houston, TX (same day cash)Dallas, TX (fast installment credit)Columbus, OH (debt relief)Denver, CO (credit card settlement)Orlando, FL (hardship program)Salt Lake City, UT (debt consolidation)Chandler, AZ (same day cash)