Free debt relief consultation
Find Real Debt Relief
Without the Runaround
Struggling with credit card balances, personal loans or medical bills? We connect you with independent debt relief providers who can review your situation and explain your options, for free.
☎ Call 1-800-479-1557Free, no-obligation consultationSpeak with a debt specialist. No obligation to enroll.
How it works
- Call us. Tell us a little about your debts: the types, roughly how much you owe, and what you’re looking for.
- Get connected. We connect you with an independent provider that works with situations like yours.
- Review your options. The provider explains the programs you may qualify for, including costs and timelines. You decide whether any of them are right for you.
Options you can ask about
Debt settlement
A provider negotiates with creditors to accept less than the full balance. Usually takes several years, involves fees, and can affect your credit.
Debt consolidation
Combining several debts into one payment, sometimes at a lower interest rate, depending on your credit and income.
Credit counseling
Nonprofit and for-profit counselors can help you build a budget or set up a debt management plan with your creditors.
Why people call us
- It’s free to explore. There’s no cost for the consultation and no obligation to enroll.
- One call, clearer options. Instead of researching dozens of companies, talk to someone who can explain what may fit your situation.
- Straight answers. Ask about fees, timelines and how a program could affect your credit before you commit to anything.
- You stay in control. You decide whether to move forward. We don’t collect payments or hold your money.
Before you enroll in any program, ask:
- What are the total fees, and when are they charged? (Under U.S. law, debt relief companies generally can’t collect fees before they settle or reduce at least one of your debts.)
- How long will the program take, and what happens if I stop?
- How will this affect my credit score?
- Could any forgiven debt be taxable?
The FTC and CFPB publish free guides on choosing a debt relief service. We encourage you to read them.