Forward Technology Inc (DBA “Worthy”) is a technology platform that provides debt negotiation tools, educational debt-coaching, credit-monitoring, and referral services. Worthy is not a debt settlement company, bank, lender, broker-dealer, or investment advisor. Debt negotiation outcomes and third-party debt-relief offers are not guaranteed and may be unavailable in some states. Use of Worthy is subject to our Terms of Services; all financial decisions carry risk, including possible monetary loss.