We use the special account for your plan. You stay in control of your money.
One monthly payment goes into the Special Purpose Account for your plan. You do not move your whole life into this account. You make one monthly payment into it. We use it to work your plan.
Checking your options does not by itself enroll you in a program or impact your credit. You stay in control the entire time.
It can take a minute to arrive. If you don't see it look in Spam or Promotions.
Find out how much
you will save through
DebtConquest
Debt Relief Comparison
Enter the total amount of your credit card debt and personal loans and see how much you can save.
You’re not alone — and you have options.
See how much you could save and what your program would look like — personalized to your situation.
By continuing, you consent to receive calls, texts, and emails from DebtConquest (including autodialed, prerecorded, AI, or live). Consent not required to purchase. Msg/data rates may apply. Reply STOP to opt out. See Privacy Policy & Terms for details.
DebtConquest is your lowest-cost, to becoming debt-free.
- From Your bank
-
INTO
Special purpose account
-
USED FOR
Settlements & fees
One path. One payment. One plan.
Your monthly payment moves into your Special Purpose Account,
where it quietly powers every step of your plan in the background.
What is this account?
The special purpose account is a program-only account. It is not a new checking account for your daily life.
- It holds the money from your one monthly payment.
- The money is used to pay your settlements and program costs over time.
- It helps keep your plan money separate and ready if legal support is needed on enrolled unsecured debts.
Frequently asked questions
Straight answers to common questions about your special purpose account
No.
For almost everyone, your current bank stays the same. Your paycheck, your bills, and your card all stay where they are now.
The special purpose account is only where your program payment goes.
In some cases, if your bank is also one of your creditors, your counselor may talk with you about using a different bank.
If that ever applies to you, we explain it slowly and help you decide. For most clients, no bank change is needed.
No. This is not a new banking app you have to learn.
Your job is simple:
- ✅Send the monthly payment.
- 📨Tell us if you get lawsuit papers for an enrolled unsecured debt.
Our team and partners use the account to work your plan in the background.
The account is set up through Crossroads Financial and used only for your program. Details about how it is held and insured are in your paperwork and can be reviewed with a counselor.
- From Your bank
-
INTO
Special purpose account
-
USED FOR
Settlements & fees
One path. One payment. One plan.
Your monthly payment moves into your Special Purpose Account,
where it quietly powers every step of your plan in the background.
You don’t have to figure this out alone.
Take the first step toward clarity. Check your debt resolution options in about a minute – no pressure, no judgment, and no obligation.