How it works

A simple, pressure-free process.

From your first answers to your decision, you're in control at every step.

Free consultation. No obligation to enroll.

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.

Your approximate debt, the types of debt you have, your state and how you're keeping up with payments.

Run a credit check, ask for account numbers on the form, or pressure you to enroll.

A plain-English picture of the options that may fit, including their costs, risks and trade-offs.

Before you decide: what you should know

Your 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.

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