Compare debt settlement, consolidation, and credit counseling. Resolve unsecured credit card and medical debt for a fraction of the balance — in months, not decades. See if you qualify.
100% free • No obligation
What is debt settlement?
Debt settlement is a process where we negotiate directly with your creditors to accept a lump-sum payment that's significantly less than what you owe — often 40–60% less.
We negotiate balances down — often by 40–60% — so you pay back far less than the original total.
Most clients complete their programs in 24–48 months instead of decades of minimum payments.
Halt the cycle of interest, late fees, and harassment. One affordable monthly deposit replaces the chaos.
How it works
Tell us about your debt. We review your situation and design a custom plan.
You make one affordable deposit into a dedicated account each month.
We negotiate with each creditor, then pay the settled amount from your account.
FAQ
The main debt relief options are debt settlement (negotiating to pay less than you owe), debt consolidation (combining debts into one lower-rate loan), credit counseling with a debt management plan, and bankruptcy. Debt settlement typically offers the largest reduction in what you actually pay back on unsecured debt like credit cards.
You stop paying creditors directly and instead deposit one affordable monthly payment into a dedicated account. Once enough has built up, negotiators contact each creditor and settle the balance for a fraction of what you owe — often 40–60% less. Most programs finish in 24 to 48 months.
Reputable debt relief companies charge no upfront fees. Fees are only collected after a debt is successfully settled and are typically 15–25% of the enrolled balance. You still come out far ahead of paying the original balance plus interest.
Debt settlement can temporarily lower your credit score because accounts go delinquent during negotiation. However, most clients see their score recover within 12–24 months after completing the program because balances are resolved and utilization drops.
You typically qualify if you have at least $7,500 in unsecured debt (credit cards, medical bills, personal loans, collections) and are experiencing genuine financial hardship that makes minimum payments unsustainable.