“It increased my confidence. Someone finally identified the problem, set a goal, and made a plan.”
Total debt
$00,000
Monthly payment
$000
Program length
00 months
Total savings
$00,000
Placeholder name saved 00% of enrolled debt
Specialists available now
Resolve your debt for less than you owe
Credit cards, medical bills, and personal loans — negotiated down and consolidated into one affordable monthly payment. Most clients finish in 24 to 48 months.
✓Free savings estimate — no obligation, no upfront fees
✓One affordable monthly payment instead of many
✓You approve every settlement before it's accepted
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A certified specialist will call within one business day with your free savings estimate. Nothing is committed until you say so.
Get your free savings estimate
No obligation. Checking won't affect your credit.
Amount
Type
Status
Contact
How much unsecured debt do you owe?
An estimate is fine.
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Reviewed and accredited
Google
★★★★★
Yelp
★★★★★
BBB Accredited
★★★★★
Placeholder — insert verified review counts, ratings, and accreditation details before launch.
How it works
You stay in control. Our specialists do the work.
Three steps, and you approve every decision along the way.
1
Talk to us, free
Twenty minutes on the phone. Tell us your balances, income, and what's making this hard. Nothing is committed.
2
We build your plan
Every realistic option laid out with its cost, credit impact, and timeline — including the ones that don't involve us.
3
Pay less than you owe
Your specialist negotiates with creditors and updates you at every settlement. You approve each one.
00 yrs
Helping households restructure unsecured debt
$000M+
In enrolled debt resolved for clients
00,000
People guided through a debt program
A+ / BBB
Accreditation and rating (verify before launch)
Our programs
Five paths out — we'll help you pick the right one
Not every program fits every situation. Your specialist explains the trade-offs of each, including the ones that don't work in your favor.
Debt settlement
We negotiate directly with your creditors to reduce what you owe, then consolidate the reduced balances into one monthly deposit you can afford.
Best when balances are large and payments are no longer sustainable.
Debt consolidation
One loan pays off several balances, leaving a single payment — often at a lower rate. We help you compare offers from third-party lenders.
Best with steady income and credit still in reasonable shape.
Credit card debt
We compare settlement, consolidation, and structured payment plans for revolving card balances, and help you pick whichever gets you out fastest for the least cost.
Best when balances are spread across multiple cards with climbing minimums.
Payday loan consolidation
We negotiate payoffs or consolidate recurring payday and cash-advance balances into one payment, so triple-digit APR loans stop renewing.
Best when payday loans keep renewing or rolling over.
Medical debt relief
Medical bills follow different rules. We review charges for errors, pursue financial-assistance eligibility, and negotiate what remains.
Best for hospital, specialist, or surprise-billing balances.
Client stories
Real people who were exactly where you are
Client photo
Client photo
“Our life started to get less complicated. The burden of debt is hard to carry.”
Total debt
$00,000
Monthly payment
$000
Program length
00 months
Total savings
$00,000
Placeholder name saved 00% of enrolled debt
Client photo
“Two hospital bills and three years of collection calls. It took nine months, but it's finished.”
Total debt
$00,000
Monthly payment
$000
Program length
00 months
Total savings
$00,000
Placeholder name saved 00% of enrolled debt
Results are not typical or guaranteed and vary by creditor, balance, and ability to complete the program. Figures shown are placeholders — replace with verified, consented client data and actual program results before publishing.
Essential reading
Learn before you decide
Article image 1
Getting started
Settlement vs. consolidation: a side-by-side comparison
A plain-language comparison of what each does to your balances, credit, and timeline.
Read more →
Article image 2
Your rights
What debt collectors are not allowed to do
The federal rules on calls, threats, and workplace contact — and how to make them stop.
Read more →
Article image 3
Medical debt
Always read the itemized bill first
Billing errors are common. How to request an itemized statement and what to look for.
Read more →
FAQs
The things people ask us first
We are a debt relief services provider that negotiates with creditors on behalf of clients with unsecured debt. We are not a law firm or a lender. Before you enroll, you receive written disclosure of our fees, the program's likely timeline, and its expected effect on your credit — and you can walk away at any point.
Most likely, yes — at least for a while. Debt settlement usually involves missed payments, which lower your score. Many clients see it recover as balances resolve. A consolidation loan generally has a much smaller impact. Your specialist will tell you honestly which effect applies to your path.
For settlement, you pay nothing until a debt is actually settled and you have approved that settlement. Fees are a percentage of the enrolled debt and are disclosed in writing before you enroll. Consolidation is priced differently — you'll see the full number before you decide.
Most settlement programs run roughly 24 to 48 months, depending on your balances and what you can deposit each month. Consolidation loans follow the lender's term. Payday loan consolidation is typically faster, around 6 to 18 months.
They may, especially early on. You can direct collectors to us. Under federal law you can also request in writing that a collector stop contacting you directly, and we'll show you how.
It can be. The IRS may treat forgiven balances over a threshold as income, and you could receive a 1099-C. We are not tax advisors — talk to a tax professional about your situation before you enroll.