Each agency has different fees and payment policies. Most agencies have a wide range of fees from start-up to monthly fees. When doing your research on a debt relief agency, you need to ask about up-front cost, monthly fees and payments. You will always want to seek help from the debt relief agency that is going to cost you the least amount of money and hassle. We do NOT have an up-front fee policy, so the only fee you pay is a performance fee when an account has been finalized.