Credit card debt settlement
We negotiate directly with card issuers to reduce your outstanding balances, replacing several high-interest payments with one program deposit.
Check if I qualify →Settle what you owe.Keep what you earn.
We negotiate with your creditors to reduce unsecured debt — credit cards, medical bills, personal loans — into one affordable monthly program. No upfront fees. You pay only after a debt is settled.
Free, no-obligation consultation. Checking your options does not affect your credit score.
No upfront feesOne monthly depositCertified debt specialistsFree, private consultation
Relief for the debts that weigh on you most
Personal loan settlement
Unsecured personal and installment loans can often be resolved for less than the full balance through structured negotiation.
Check if I qualify →Four steps from overwhelmed to debt-free
- 01
Free consultation
Speak with a certified specialist who reviews your debts, income and goals at no cost.
- 02
Your custom plan
We design one affordable monthly deposit into a dedicated account that you own and control.
- 03
We negotiate
Our team works with each creditor to reach a settlement for less than the full balance you owe.
- 04
Debt resolved
You approve every settlement before it is paid. Most clients complete the program in 24–48 months.
Who qualifies
You may be a good fit if…
- You owe $10,000 or more in unsecured debt
- You are struggling to keep up with minimum payments
- High interest keeps your balances from going down
- You want to avoid bankruptcy if possible
“For the first time in years I open the mail without dread. One payment, a clear end date, and people who actually called me back.”
Questions
Frequently asked questions
Still unsure? A specialist can walk you through it in a free 15-minute call.
How much can I save?
Savings depend on your creditors and circumstances. Many enrolled debts settle for significantly less than the balance owed, before fees. Your specialist will give you a personalized estimate.
Are there upfront fees?
No. Under federal rules we cannot charge a fee until a debt is settled and you have made at least one payment toward that settlement.
Will this affect my credit?
Debt settlement can lower your credit score in the short term, since accounts may become delinquent during negotiation. Many clients rebuild credit after completing the program.
What debts are eligible?
Unsecured debts: credit cards, medical bills, personal loans, private student loans and collection accounts. Mortgages, auto loans and federal student loans are not eligible.
Is this better than bankruptcy?
For many people it is an alternative worth considering. We will explain the trade-offs honestly and refer you to an attorney if bankruptcy is a better fit.
Find out what you could save.It takes two minutes.
Tell us a little about your debt and a certified specialist will call with a personalized estimate. No cost, no obligation.