If you're carrying $10,000 or more in unsecured debt, you may have options. Get a free, no-obligation savings estimate and explore debt relief programs that could help you resolve your debts in 24 to 48 months.
No upfront fees. No impact to your credit to get started.
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Free quote requests are only available in eligible states (excludes OR, VT, WV). The program is for those with at least $10,000 in unsecured (or tax) debt. We cannot help with secured debts such as mortgages, auto loans, or student loans. Applicants must be 21 or older and have a source of income to make program payments. After submitting your info, a debt relief specialist will contact you with your free savings estimate. By submitting this form, you agree to be contacted by phone, email, or text regarding debt relief options. This site is affiliated with third-party debt relief providers.
A straightforward process designed to help you get back on track financially, typically within 24 to 48 months.
Share your financial situation with a certified debt specialist. They'll review your debts, income, and options at no cost and with no obligation to proceed.
Based on your unique situation, you'll receive a personalized plan that outlines how your debts can be addressed, your estimated timeline, and projected savings.
Your debt relief team negotiates directly with creditors on your behalf. You make one affordable monthly payment while your debts are resolved over 24 to 48 months.
Debt relief programs are designed specifically for unsecured debts. If you owe $10,000 or more across any of these categories, you may qualify.
The most common type of unsecured debt. High interest rates can make balances feel impossible to pay down.
Unexpected medical expenses can quickly spiral into overwhelming debt. Relief programs can help reduce what you owe.
Unsecured personal loans and lines of credit are eligible for debt relief and settlement programs.
Debts that have gone to collections can still be negotiated and resolved for less than the full amount owed.
Small business owners with unsecured business debts such as business credit cards and merchant cash advances may qualify.
State and IRS tax debts may be eligible for resolution programs that help reduce your total tax liability.
Note: Secured debts such as mortgages, auto loans, and student loans are not eligible for these programs.
Answers to the most common questions about debt relief programs.
Most debt relief programs require a minimum of $10,000 in unsecured debt. This can include credit card balances, medical bills, personal loans, collections, and certain business debts.
Debt relief programs typically take 24 to 48 months to complete, depending on the total amount of debt enrolled, your financial situation, and creditor negotiations.
Enrolling in a debt relief program may impact your credit score during the program. However, many participants see their credit recover after successfully completing the program and resolving their debts.
Reputable debt relief companies do not charge upfront fees. Fees are typically charged only after a debt has been successfully negotiated and you've approved the settlement.
No. Debt relief and debt settlement services are provided by private companies that specialize in negotiating with creditors on your behalf. These are not government-sponsored programs.
Debt relief services are available in most US states. Currently, services are not available in Oregon, Vermont, and West Virginia. All other states are eligible.
There's no cost and no obligation. Find out how much you could save with a free debt relief consultation.
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