Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes. Clients who are able to stay with the program and get all their debt settled realize approximate savings of 45% before fees, or 20% including our fees, over 24 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Depending on your state, we may be available to recommend a local tax professional and/or bankruptcy attorney. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating. The company and its affiliates are not lenders, creditors, or debt collectors. This is not a loan. Our representatives have helped thousands of consumers throughout their careers. Testimonials are actual customer experiences and individual opinions, and may not be illustrative of all experiences with the company or its affiliates.
Simple Process
Tell us about your debt. We'll call you within minutes to discuss your options — zero pressure.
We build a plan that fits your budget. One affordable monthly payment replaces all your minimums.
Our team negotiates with creditors. You could be debt free in 24–48 months, paying less than you owe.
Real Results
Based on MyDebtReview Graduate Study 2025
Common Questions
We work exclusively with BBB A+ rated debt relief partners who have helped thousands of Americans resolve over $1 billion in unsecured debt. Your information is encrypted and never sold to third parties. We earn a fee only when you successfully resolve your debt — so our interests are fully aligned with yours.
Ideal candidates have $10,000 or more in unsecured debt (credit cards, medical bills, personal loans), are experiencing financial hardship such as a job loss, divorce, or medical emergency, and are struggling to make minimum monthly payments. You do not need perfect credit to qualify.
Instead of making minimum payments that barely cover interest, you deposit a set monthly amount into a dedicated account. Your specialist then negotiates directly with creditors to settle your debts for significantly less than you owe — typically 40–60 cents on the dollar. Most clients complete the program in 24–48 months.
Most clients actually pay less per month through our program than they were paying in minimums. There are no upfront fees — fees are only charged once a debt is successfully settled. Your free consultation will give you an exact picture of what your monthly payment would be.
We work with most unsecured debts including credit cards, medical bills, personal loans, private student loans, and business debt. We cannot assist with secured debts like mortgages or auto loans, or federal student loans.