See your way clear of debt.
We show you the math before you share a phone number: what you could settle for, what it costs, how long it takes and what can go wrong.
Since 2008Real people in English, Spanish and Hungarian
Illustrative estimate. Results vary; not all debts settle. Typical case: creditors settle for 45 to 60% of the enrolled balance. Conservative case: a 20% reduction. The illustrative fee is 20% of enrolled debt.
Get the full breakdownClear terms
Most companies bury these in fine print. We put them at the top, in dollars and months, next to the good news.
What it costs
$5,000on $25,000 enrolled
Our fee is its own line in every estimate, never folded into a "savings" number. In this preview it is an illustrative 20% of the debt you enroll.
Illustrative fee. Your actual fee is stated in writing before you enroll.
What can go wrong
How long it takes
24to48
Most programs run 24 to 48 months. Accounts resolve one at a time, not all at once.
Who you'll talk to
A small, expert team, here since 2008.
How it works
Talk it through with a real person. We look at your debts and your budget, and tell you plainly whether settlement fits.
You open a dedicated account in your own name and make one monthly deposit into it.
We work account by account to reach a settlement for less than you owe.
No settlement is paid until you say yes. You see each offer first, and the decision is yours.
Each approved settlement is paid from your account and that debt is resolved. Then the next one.
Programs
For individuals
For unsecured debt you are struggling to pay. We negotiate each account for less than you owe, and you approve every settlement.
For business owners
For businesses under pressure from debt, including merchant cash advances (MCA). We negotiate with the funders.
Business debt reliefFor business owners
See where the money goes and plan what comes next, so the business can breathe again.
Cash-flow consultingA consolidation loan is new debt used to pay off old debt. Some companies earn money when you take one. We don't offer them at all, so we have no reason to steer you toward one.
Compare options
Settlement is one path out of debt, not the only one. Here is how it stacks up, including where the others are the better choice.
| What we compare | What we do Debt settlement |
Consolidation loan | Debt management plan | Bankruptcy |
|---|---|---|---|---|
| What it is | We negotiate each debt down; you pay the settled amounts from an account in your name. | A new loan pays off your old debts. You still owe the full balance. | A nonprofit credit counselor arranges lower interest; you repay the full balance. | A court process that can erase or restructure debt. |
| What it costs | The settled amounts plus our fee (shown as its own line). Forgiven debt may be taxable. | The full balance plus interest on the new loan, and any loan fees. | The full balance, usually with a small monthly fee. | Court and attorney fees. |
| How long | Most programs run 24 to 48 months. | The loan term, often several years. | Often 3 to 5 years. | Months (Chapter 7) or 3 to 5 years (Chapter 13). |
| Credit impact | Your score will drop during the program. | Needs good credit to qualify; can help if paid on time. | Usually a smaller dip; enrolled cards are often closed. | The largest impact, reported for 7 to 10 years. |
| Who it fits | About $7,500 or more of unsecured debt you can't keep up with. | Good credit and income steady enough to repay in full. | You can repay in full if the interest comes down. | Debt you cannot repay in any realistic time. Talk to a bankruptcy attorney. |
If a debt management plan or bankruptcy fits you better, we will tell you so. Free nonprofit credit counseling is a good first call for many people, and we will point you there when it is.
Soundings
Four illustrative accounts, with the fee on its own line and one that did not settle. They show how the math works. They are not real client results.
Not every creditor agrees to settle. In this example the creditor said no, and the balance was paid in full from the account instead.
Bars show the settled amount (aqua) and the illustrative fee (light) as a share of each balance. Results vary; not all debts settle.
Honest fit check
A two-minute read can save you a wasted call. Here is the honest picture, both ways.
If settlement isn't right for you, we will say so, and point you to free nonprofit credit counseling.
An honest answer, either way
Guides and tools
Yes. Your credit score will drop during the program. Settlement usually means accounts fall behind while you build up money to settle them. We can't promise how fast it recovers once your accounts are resolved.
Yes. Creditors may keep collecting while you are in the program, and they can sue. If you get court papers, call us right away so we can talk through what it means for your plan.
It may be. The IRS can treat forgiven debt as income, and a creditor may send you Form 1099-C. A tax professional can tell you how it applies to you.
A fee applies, and it is shown as its own line in every estimate. In this preview it is an illustrative 20% of the debt you enroll. Your actual fee is stated in writing before you enroll.
No. We don't sell consolidation loans, so we have no reason to push you toward one. If a loan would suit you better, you can compare it side by side above.
Our online enrollment is open in Florida, Georgia, Texas and California. If you live somewhere else, we will tell you plainly and point you to free nonprofit credit counseling.
Next step
Check your state, see your estimate, then decide. Nothing is signed until you say yes.
Online enrollment is open in Florida, Georgia, Texas and California.
Your estimate in four short steps
Step 1 of 4