Debt help that starts with a straight answer.
See your options in about 30 seconds. No hidden fees, no judgment, just a clear read on where you stand and what you can actually do next.
See Your Options- No obligation
- Providers pay us, you don't
- Nothing here touches your credit
- Takes about a minute
Pick whichever makes up the largest share. Nothing here affects your credit.
Continue →Where do you stand right now?
Answer four things and we will show you what a specialist looks at when they review a file like yours, before you speak to anyone.
Title and auto loans are secured, so they fall outside this service.
Your snapshot
No. 000000This is a general snapshot, not an offer, an approval, or a projection of your individual result. A specialist confirms what actually fits your situation on the call.
Four steps, in order.
There is no shortcut and nobody should pretend otherwise. Here is the actual sequence, start to finish.
Talk it through
A certified specialist looks at what you owe, to whom, and what your month actually looks like. About fifteen minutes, and you can hang up at any point.
Set aside
Instead of paying creditors directly, you deposit one amount each month into a dedicated account held in your name. You own that money and can withdraw it at any time without penalty.
Negotiate
Once enough has built up, negotiators approach your creditors to resolve the balances for less than the full amount. Every offer comes back to you for approval before anything is paid.
Resolve
As each account is paid under its agreed terms, that debt is behind you. When the last one closes, you are finished.
What this covers, and what it doesn't.
Plenty of these calls end with a specialist saying "this isn't the right fit for you." That is a good outcome, not a wasted call. Here is the line.
Generally eligible
- Credit cards and retail store cards
- Most unsecured personal loans
- Medical bills and accounts in collections
- Lines of credit and some private student loans
Not eligible
- Mortgages, auto loans, and title loans
- Student loans issued through the U.S. Department of Education
- Tax debt, child support, and court-ordered judgments
- Utility bills and active lawsuits
Nobody calls us on a good day. The job is to take twenty minutes, lay out every option honestly, including the ones that don't pay us, and let the person decide.
A certified debt specialist in our partner network
Every provider we route to is accredited through recognized industry bodies and able to operate in the state where you live. If a provider stops meeting that bar, they come out of the network.
About UsThe things people actually ask.
How do I know if this is an option for me?
Most providers review consumers carrying at least $10,000 in unsecured debt: credit cards, personal loans, medical bills, collections, and some private student loans, where the monthly minimums have become hard to keep up with. A specialist confirms eligibility on the call. It takes about fifteen minutes and there is nothing to pay to have it.
How are you paid?
By the provider you are matched with, not by you. That referral fee is how this service operates, and it is worth knowing before you talk to anyone. Under the FTC Telemarketing Sales Rule, a debt settlement provider also cannot bill you a fee until it has settled or renegotiated at least one of your debts and you have made a payment under that arrangement.
How long does this take?
Most plans run 24 to 48 months. The actual length depends on how much debt you include, how much you set aside each month, and how your individual creditors respond. A specialist will walk you through what that timeline looks like for your situation before you commit to anything.
Will this affect my credit?
Yes, and you should go in expecting that. Debt resolution normally means you stop paying your creditors directly, which can lead to late marks, collection activity, added interest, and in some cases a lawsuit from a creditor. It is a serious step. It is also why the first call is about whether this actually fits your situation rather than signing you up.
Which debts can be included?
Unsecured debt generally can be: credit and retail cards, most personal loans, medical bills, collections, lines of credit, and some private student loans. Secured debt cannot, and that includes mortgages, auto loans, and title loans. Student loans issued through the U.S. Department of Education, tax debt, and child support also fall outside this service.
How many providers will contact me?
You are matched with the accredited providers able to operate in your state, so the number varies. In most cases it is one to three. You can ask any of them to stop contacting you at any time, and you are never obligated to move forward with any of them.
Is my information handled safely?
Your details are transmitted over an encrypted connection and shared only with the accredited providers matched to your situation. You can request deletion of your information, or opt out of any sale or sharing of it, from our Do Not Sell page at any time.
See your options.
Three short steps. No credit check, and no obligation to move forward with anyone.