Free, no-obligation consultation
Find a clearer way forward.
If credit card or personal loan debt feels overwhelming, we'll help you understand your options in plain English, with no pressure and no judgment.
Free consultation. No obligation to enroll.
- Free consultation
- No credit check to start
- Real people, not scripts
- Takes about a minute
You're not alone
Debt can be heavy. Understanding it shouldn't be.
Millions of people carry balances that started with an emergency, a job change or just everyday life. If any of this sounds familiar, a calm conversation is a good place to start.
- Minimum payments that barely touch the balance
- Interest that grows faster than you can pay
- Juggling due dates across several cards
- Avoiding the mail, or the phone
How it works
Three simple steps. You stay in control.
Tell us a little
Answer a few quick questions about your debt. No credit check, and it takes about a minute.
Talk with a specialist
A real person listens to your situation and explains the options that may fit, in plain English.
Decide what's right
You'll understand the benefits, costs and trade-offs. There's no pressure and no obligation.
Types of debt
Whatever kind of debt you have, start here.
- Credit card debtHigh interest can make balances feel like they never move.
- Personal loan debtFixed payments that no longer fit your budget.
- Medical debtUnexpected bills from care you needed.
- CollectionsCalls and letters from collectors.
- Private student loansLoans without federal repayment protections.
- Not sure what you have?Answer a few questions
Your options
There's more than one way out of debt.
We'll walk you through each approach honestly, including the ones we don't offer, so you can choose what fits your life.
Compare options side by sideBudgeting & self-directed payoff
Reorganize your spending and pay debts down on your own schedule.
Credit counseling
Work with a counselor, often at a nonprofit agency, on a budget and repayment plan.
Debt consolidation
Combine several debts into one new loan or balance transfer.
Debt settlement
Negotiate with creditors to accept less than the full balance.
Bankruptcy
A legal process that can eliminate or restructure debts under court protection.
An honest look
Is debt relief right for you?
It isn't right for everyone. Here's a quick way to think about it.
It may be worth exploring if
- You have $10,000 or more in unsecured debt
- You're struggling to keep up with payments
- Your balances aren't going down
- You've had a change in income or expenses
Other options may be better if
- You can comfortably pay more than your minimums
- Your debt is mostly a mortgage or auto loan
- You need to keep your credit score intact soon
- Your debt is federal student loans or taxes
More room to breathe.
The goal isn't just a lower balance. It's a plan you understand, so you can spend less time worrying and more time on what matters.
We don't sell your information
Your details are used to contact you about your consultation, not passed around to lead buyers.
You choose how we contact you
Reply STOP, tell a representative or update your preferences online. We honor it promptly.
No surprise partners
If anyone else is ever involved, we'll name them and ask for your separate permission first.
Before you decide: what you should know
All disclosuresYour credit may be affected
Debt relief programs can have a negative effect on your credit, especially if accounts become delinquent during the program.
Creditors don't have to negotiate
Creditors are not required to participate or to accept a reduced amount. Some may not.
Collection activity may continue
Creditors and collectors may keep contacting you, and interest, late fees and penalties may continue to accrue.
Lawsuits are possible
A creditor may sue to collect a debt, which can lead to judgments, garnishment or other remedies allowed by law.
Results aren't guaranteed
Not every debt is resolved, and no specific savings, settlement or timeline can be promised.
Taxes may apply
Forgiven debt may be considered taxable income. Consult a tax professional about your situation.
Stopping payments has consequences
Stopping payments to creditors can lead to late fees, collections and credit damage. Understand this fully before deciding.
You don't have to figure this out alone.
Start with a free conversation. We'll learn about your situation, answer your questions and help you understand what options may be available.
Free consultation • No obligation