If the honest answer is "not much," you're not bad with money. Minimum payments are built to keep you paying for decades. A debt settlement or legal debt resolution program could cut your monthly payment and put a real end date on it.
Good credit and still current on everything? A consolidation loan might be the better fit for you. We'll tell you straight.
| Minimums | Program | |
|---|---|---|
| Total you pay | $0 | $0 |
*Example only, not a quote or a guarantee. Minimums assume 29% APR with a payment of interest plus 1% of the balance ($25 floor). Program estimate is your debt times the example settlement percentage plus a 25% program fee, spread over the program length. Real settlements, fees, and timelines vary by creditor, provider, and state. Not all debts or people qualify.
Are you paying every month and the balances look about the same?
That's the interest eating most of your payment. It's not a discipline problem. It's how minimums work.
Are you using one card to cover another, or to cover groceries?
When the cards become the budget, the hole gets deeper every month, even when you're careful.
If nothing changes, where are these balances a year from now?
Most people already know the answer. They just haven't said it out loud yet.
What would an extra few hundred dollars a month change for you?
Rent, the car, the kids, actually saving something. That's what a lower payment is really about.
If any of that hit close to home, it's probably worth a free 10-minute call. Worst case, you hang up knowing exactly where you stand.
Talk to someone nowBoth are built for people carrying more card debt than they can realistically pay off at full balance. We'll help you figure out which one fits, then connect you with a provider who does it every day.
You stop paying the cards directly and make one monthly deposit into an account you own. As money builds up, the settlement company negotiates with each creditor to take less than the full balance.
Federal law (the Fair Debt Collection Practices Act) says a collector has to be able to prove the debt is accurate and that they have the right to collect it. A legal resolution program uses that law to challenge your debts first, working alongside attorneys. If a debt can't be validated, you may not owe it at all.
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.
Nobody's going to make you sign anything on the first call. The point is to look at your real numbers and see if this even makes sense for you.
Fill out the short form or call. We'll ask how much you owe, who you owe it to, and what you can comfortably afford each month.
Based on your situation, we connect you with a settlement company or a legal debt resolution program that works with your kind of debt and your state.
They show you the monthly deposit, how long it should take, and every fee before you agree to anything. If it doesn't work for you, you walk away.
Your debts get resolved one by one. Each settlement gets you closer, and the program ends with an actual finish line.
We'd rather you hear this from us now than be surprised later. Any provider worth working with will tell you the same thing.
Accounts usually go past due during a settlement program, which lowers your score. Most people who come to us are already behind, so they've felt some of that already.
Accounts can go to collections, and a creditor may file a lawsuit while you're in a program. That's one reason legal resolution, with an attorney available, can be a better fit for some people.
While accounts are being challenged or negotiated, interest and late fees can keep adding up. Your provider should show you how they handle that before you sign.
No honest company can guarantee a debt will be thrown out, settled for a certain amount, or done by a certain date. It depends on your creditors and the paperwork they have. Not everyone finishes the program.
The IRS may count forgiven debt over $600 as income. Some people qualify for an exception. Ask a tax pro about your situation.
Settlements happen as your account builds up. Missing deposits slows everything down, so pick a payment you can really keep.
Still not sure? That's normal. Call (888) 555-0150Placeholder and ask us anything. No pressure, no script.
It depends on your debt, your creditors, and the program length. For a lot of people the program deposit comes in well under their current minimums. Play with the calculator above, then get your real numbers on a free call.
Settlement means negotiating with creditors to accept less than the full balance. Legal resolution starts one step earlier. It's a legal process where the collector has to prove they own the debt and have the right to collect it. If they can't, you may not have to pay it. If you're being harassed, threatened, or sued, legal resolution is usually the place to start.
No, and you should be careful with anyone who says they can. It comes down to whether the creditor can produce the right paperwork. If a debt can't be validated, collection has to stop and it should come off your credit report. If it is validated, it stays, but it still has to be reported accurately.
In most states, yes. Our legal resolution partner can't currently take clients in Georgia, Idaho, Minnesota, North Dakota, Oregon, Puerto Rico, or Wisconsin. If you live there, we'll walk you through your other options.
Usually unsecured debt: credit cards, personal loans, medical bills, store cards, some private student loans, and accounts in collections. Mortgages, car loans, federal student loans, taxes, and child support usually don't qualify.
Most programs start somewhere around $7,500 to $10,000 in unsecured debt. If you owe less than that, we'll point you to other options like credit counseling.
Most run about 2 to 4 years. A bigger monthly deposit usually means a shorter program. Your provider will show you the timeline before you sign up.
Settlement fees are usually a percentage of the debt you enroll, often in the range of 15% to 25%. Under federal rules, settlement companies that sign you up over the phone can't charge fees until they've settled a debt and you've made at least one payment on that settlement. Law firm fees vary, so always ask for them in writing.
No. Our matching service is free for you. We may be paid by the providers we refer you to, and that doesn't change what you pay them.
In most settlement programs, your deposit goes into a dedicated account in your name. You own the money in it, and you can usually get it back (minus earned fees) if you leave the program.
Possibly. Forgiven debt over $600 may be reported to the IRS as income. If you were insolvent at the time, you may not owe anything on it. A tax professional can tell you for sure.
It usually drops at first because accounts go late during the program. As debts get settled and balances go to zero, many people start rebuilding. If protecting your score is the top priority and your credit is still good, a consolidation loan may be a better move.
Not always right away. But collectors have rules to follow under federal law, and abusive or harassing calls aren't just stressful, they can be illegal. A legal resolution program can hold them to those rules. Your provider will tell you how to handle any calls that still come in.
It can happen, especially with larger balances. That's one of the main reasons people choose legal debt resolution. With our partner program, if legal action is needed, an attorney is available at no extra cost. Ask any provider how they handle lawsuits before you enroll.
No. Settlement and legal resolution are ways to resolve debt outside of court. Bankruptcy is a court process with its own rules and its own long-term effects. For some people it's the right answer, and a good provider will tell you if that's the case.
No. We're a matching and referral service. We listen to your situation, then connect you with an independent settlement company, legal debt resolution program, lender, or credit counseling agency that fits. They provide the service and you sign up with them directly.
Not at all. A call is just a conversation. You'll get your options and the numbers, and you decide if any of it makes sense. Plenty of people call, think it over, and come back later.
Ten minutes, your real numbers, and no obligation. If a program won't help you, we'll say so.