FORTH will observe the following bank holidays for 2025.

• FORTH will not be open for business and will not process any ACH transactions.
• For holidays falling on Saturday, FORTH will be open the preceding Friday and will process transactions.
• For holidays falling on Sunday, FORTH will be closed on Monday and will not process any transactions until Tuesday.

2025 Holidays
New Year’s Day January 1
Birthday of Martin Luther King, Jr January 20
Washington’s Birthday February 17
Memorial Day May 26
Juneteenth National Independence Day June 19
Independence Day July 4
Labor Day September 1
Columbus Day October 13
Veterans Day November 11
Thanksgiving Day November 27
Christmas Day December 25

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FORTH partners with banking institutions to administer dedicated accounts, additionally, an FDIC-insured bank issues payments on behalf of clients enrolled in debt relief programs. Your agreement with FORTH—the Account Agreement—was signed at the time you enrolled with your debt settlement company.

FORTH serves as your account administrator, partnering with banking institutions to make sure that your funds are held in an FDIC-insured account that cannot be accessed by your debt relief service provider (DRSP) without your authorization.

Your debt relief service provider (DRSP) is responsible for negotiation and all program-related inquiries. FORTH is an independent company that partners with banking institutions to administer your dedicated account and the FDIC insured bank disburses funds to pay your program fees and creditors.

Please contact your debt relief service provider (DRSP) and they can discuss the options available to change your program. Keep in mind that significant changes to your monthly payments may impact pending settlement agreements and/or offers in process with your creditors. It is important that you discuss this request with your DRSP to prevent any issues that may arise as a result of any changes.

We take all consumer complaints very seriously at FORTH and only work with the most compliant debt relief service providers (DRSPs) in the debt settlement industry. Our company and all the companies we service strictly adhere to the Federal Trade Commission (FTC) & Telemarketing Sales Rule (TSR) guidelines set forth for the debt settlement industry.

Your funds are held in an FDIC-insured account through one of our two bank partners: South State Bank or Georgia Banking Company. FORTH’s customer service will respond to any and all questions that you have about the funds in your account. Because your funds are FDIC insured, your funds are protected up to the federal limits if there is a bank failure through FDIC insurance. For more information about FDIC insurance and how your funds are protected in the event of a bank failure, please click here. If FORTH modifies its banking partners in the future, we will let you know through our website (www.setforth.com).

FORTH is located at 1900 E Golf Road, Suite 550, Schaumburg, IL 60173.

Please call your debt settlement company or FORTH via phone 877-800-5577 or email clients@setforth.com to update your banking information.

You can view account details and access statements online at client.forthpay.com or by contacting FORTH Pay at 877-800-5577.