Do You Qualify? 5-Minute Self-Assessment

Check each item that applies to your situation. When you're done, click See My Results at the bottom.

Your Debt Situation

I have at least $5,000 in unsecured debtUnsecured debt includes credit cards, personal loans, medical bills, and private student loans.

Most of my debt is unsecured (not a mortgage, car loan, or federal student loan)Debt settlement works on unsecured debts — not secured loans or federal student debt.

I have multiple creditors or accountsSettlement is most effective when managing several accounts across multiple creditors.

My balances have been growing, not shrinking, despite making paymentsWhen minimum payments barely cover interest, you're on a treadmill — settlement can break that cycle.

Your Financial Hardship

I've experienced a financial hardshipJob loss, medical event, divorce, reduced income — creditors are more likely to negotiate when there's genuine hardship.

I'm struggling to make minimum payments or have missed paymentsBeing behind on payments is actually a qualifying signal — it shows creditors you can't pay the full balance.

I cannot realistically pay off this debt in the next 3–5 years at my current rateIf full payoff isn't realistic, settlement may be a faster and cheaper path to being debt-free.

Your Readiness

I can set aside a monthly amount toward a settlement fundDebt settlement requires building savings in a dedicated account. Even $150–$300/month can work depending on your debt load.

I'm okay with a temporary impact on my credit scoreSettlement typically affects your credit score in the short term. Most clients see credit improvement within 12–24 months of completing a program.

I want to resolve this debt in 24–48 months rather than paying minimums for 10+ yearsSettlement is a path to resolution — not a long-term management plan. It's for people who want to be done.

✓ You look like a strong fit for debt settlement.

Based on your answers, you have many of the key indicators that make debt settlement effective: hardship, meaningful unsecured debt, and realistic ability to save toward settlements. The next step is a free, no-pressure assessment with our team.

Start My Free Plan → Talk to Alex First

≈ You may qualify — it depends on the details.

You checked some of the key indicators but not all. That doesn't mean settlement is off the table — it means a conversation with an advisor would help you understand your specific options and whether the numbers work for your situation.

Ask Alex for Guidance Compare All Options

Settlement may not be the right fit right now.

Based on your answers, debt settlement may not be the best path for your current situation. That's okay — there are other debt relief options like consolidation, credit counseling, or simply a better repayment strategy. Our team can help you find the right approach.

See All Relief Options Ask Alex a Question

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