If the balances barely move no matter what you pay, you don't have a money problem. You have a math problem. There's more than one way out, and we'll help you find the one that fits your life and your credit.
Example: $25,000 on cards at 29% means minimums start around $854 a month and can take over 30 years to pay off. A 36-month program in our example comes to about $451 a month, done in 3 years. Run your own numbers
Credit cards, personal loans, medical bills. A guess is fine.
No judgment. This decides which kind of help fits.
Your best guess. Nothing gets pulled.
Estimates only, not a quote or offer. A specialist confirms what fits once they see your real numbers.
How long have you been making payments, and what's happened to the balance?
If it's been years and the number looks about the same, that's interest doing exactly what it was designed to do.
What have you already tried that didn't work?
Balance transfers, a loan that got turned down, cutting back everywhere. Most people we talk to have tried something already.
If nothing changes, where does this leave you in five years?
Still paying. Probably still owing close to what you owe today. That's the part nobody likes to say out loud.
What would it mean for your family if this was handled?
Less stress when the mail comes. Money for things that matter. A date on the calendar when you're done.
If you said yes to two or more, you're exactly who we help. A free call takes about 10 minutes and you'll know your options either way.
Start my free reviewThe right answer depends on two things: how far behind you are, and what your credit looks like today. Here's where most people land.
For people who are behind, close to it, or can't get a loan that actually helps. One monthly payment, usually well under your current minimums, and a real end date.
For people who are current on everything and can qualify for a lower rate. One new loan pays off the cards, and you make one fixed payment until it's gone.
Owe less than $7,500, or just need help with a budget? We can also connect you with a nonprofit credit counseling agency that can set up a payment plan with your creditors. Call and ask
Call or text us for a free, personalized debt consultation. We'll look at your situation and tell you straight which option makes sense. No pressure.
We work with partners across all four. Here's how they really compare, including the parts some companies leave out.
| Debt settlement | Legal debt resolution | Consolidation loan | Credit counseling | |
|---|---|---|---|---|
| What it is | A company negotiates with creditors to accept less than the full balance. | Collectors have to prove you owe the debt under federal law. Attorneys are available if it goes legal. | A new loan pays off your balances. You repay the loan in full. | A nonprofit sets up a payment plan with your creditors, often at lower interest. |
| Monthly payment | Usually much lower than minimums | Often lower, depends on the case | Depends on the rate you qualify for | Often a bit lower than minimums |
| You pay back | Less than you owe, plus fees | Debts that can't be validated may not be owed at all | Everything, plus interest at the new rate | Everything, usually at reduced interest |
| Credit impact | Significant drop at first while accounts are past due | Usually drops during the program. Debts that aren't validated should come off your report. | Small dip from applying. On-time payments can help. | Cards usually closed. Generally milder. |
| Usually fits if | You're behind or close to it, with $7,500+ in debt | You're in collections, being sued, or the debt may not be valid | Your credit is good and you're current | You can pay in full but the interest is burying you |
| Typical timeline | About 2 to 4 years | Varies. Depends on how fast creditors respond | 1 to 7 years (the loan term) | About 3 to 5 years |
General information only, not legal, tax, or credit advice. Forgiven debt may be taxable. Results depend on your situation and the provider you work with.
We're not here to sell you one product. We look at your situation and send you to whoever can actually help, even if that's not the option with the biggest headline.
About 5 minutes on the form, or a quick call. How much you owe, who you owe, and what you can actually afford each month.
Settlement, legal resolution, a loan, or counseling. We'll tell you which one makes sense and why.
An independent company, law firm, or lender that works with your type of debt and your state reaches out with a real plan.
Payment, timeline, every fee, in writing. If it doesn't feel right, you say no. No hard feelings.
Don't see yours? Call (888) 555-0150Placeholder. Real person, no script.
We're a matching and referral service. We listen to your situation, figure out which kind of help fits, and connect you with an independent provider: a debt settlement company, a debt resolution law firm, a lender, or a nonprofit credit counselor.
Yes. You don't pay us anything. We may be paid by the providers we refer you to. That doesn't change what you pay them.
Neither. We don't lend money, settle debt, or give legal advice ourselves. The providers we connect you with do that, and you work with them directly.
You can. The catch is that each one only sells its own product. A lender will try to give you a loan even if settlement fits better, and the other way around. We start with your situation and work backward.
Start with the 3 questions at the top of this page. Roughly: good credit and current means look at a loan. Behind, or credit that won't get you a good rate, means settlement. Collections or a lawsuit means legal resolution. A specialist will confirm on the call.
That's really common, and it doesn't mean you're out of options. Settlement and legal resolution don't depend on your credit score the way a loan does. It might actually mean you're a better fit for one of them.
Mainly unsecured debt: credit cards, personal loans, medical bills, store cards, and accounts in collections. Mortgages, car loans, federal student loans, and taxes usually aren't eligible for these programs.
No. Everything we connect you with is outside of bankruptcy court. If bankruptcy is truly the better option for you, a good provider will tell you that too.
No. Talking to us and seeing your options doesn't affect your score. If you later apply for a loan, the lender may do a hard credit check at that point.
It depends on the path. A consolidation loan paid on time can help over time. Settlement usually lowers your score at first because accounts go past due. We'll walk you through the tradeoff before you choose.
We use it to match you with the right provider, and we only share it with the providers needed to give you options. We don't sell your info to random lists. Confirm against final privacy policy
No. A specialist from our team reaches out first, and you only hear from a provider once you've agreed it makes sense. You can tell us to stop contacting you at any time.
Your real numbers, your real options, and no pressure. If nothing we have can help, we'll tell you that too.