Debt Settlement

We negotiate directly with your creditors to settle your debt for less than you owe — typically 40–60% reduction. No upfront fees, ever. BBB Accredited since 2006.

Start My Free Plan → Estimate My Savings

40–60%

Typical Debt Reduction

Upfront Fees — Ever

24–48

Month Program

2006

Serving Clients Since

How It Works

Your path from hardship to debt-free.

Six straightforward steps — no surprises, no hidden fees, no pressure.

Free Consultation

We review your debts, income, and budget at no cost. You'll know within minutes whether you qualify and roughly what your savings could look like.

Enroll Your Accounts

We document each unsecured debt and build your personalized program plan — including the monthly deposit amount that fits your budget.

Build Your Reserve

You deposit a monthly amount into a dedicated account you own and control. This becomes the fund we draw from to settle with creditors.

We Negotiate

Once enough is saved, our team contacts your creditors and negotiates settlements — typically 40–60 cents on the dollar.

You Approve Every Deal

We present each offer to you before accepting anything. You stay in control throughout the entire process, start to finish.

Debt Resolved

Once you approve, we handle all paperwork. The account is settled and closed. Most clients complete all accounts in 24–48 months.

What You Get

Built for people in real financial hardship.

Reduce total debt owed by 40–60% on average
One affordable monthly deposit — no juggling multiple payments
No upfront fees — we earn only after a settlement is reached
Dedicated account you own and control throughout the program
Personal advisor assigned to your case
Resolve all accounts in 24–48 months on average
BBB Accredited · AFCC Member · Licensed in applicable states

See If You Qualify →

Common Questions

Honest answers about debt settlement.

Will this hurt my credit score?

Yes — debt settlement typically affects your credit score during the program. However, clients who enroll often already have damaged credit from missed payments. The goal is total financial recovery, not protecting a number while debt keeps growing.

What types of debt qualify?

Unsecured debts qualify: credit cards, medical bills, personal loans, store cards, and some private student loans. Secured debts like mortgages and auto loans do not qualify.

What are your fees?

Nothing upfront. Fees are assessed only after a settlement is reached and you approve it. We are fully AFCC compliant and will never charge you before delivering results.

What if a creditor takes legal action?

It's a real risk we discuss openly before you enroll. We work to negotiate before legal action occurs and will help you understand your options if it does happen.

How is this different from bankruptcy?

Debt settlement resolves accounts through negotiated payoffs — no court process, no public record, and less long-term credit impact than a bankruptcy filing.