Settle your debt.
Reclaim your life.
We help individuals and businesses resolve unsecured debt — without bankruptcy. Over 25 years of negotiation experience, on your side.
- Reduce what you owe
- Resolve debt in as little as 24–48 months
- No upfront fees. Pay only on results.
Free, confidential. Won’t affect your credit score.
Illustrative result from an actual prior client. Individual results vary and are not guaranteed.
Illustrative result from an actual prior client. Individual results vary and are not guaranteed.
A path out — for every kind of debt.
We negotiate with creditors so you don’t have to. Each program is built around your situation, not a script.
Credit Cards
Resolve high-interest balances for a fraction of what’s owed.
Explore Credit CardsUnsecured Loans
Personal loans, medical bills, and lines of credit.
Explore Unsecured LoansProperty Leases
Negotiate broken or unaffordable lease obligations.
Explore Property LeasesBusiness Debt
MCA, vendor, and trade-line debt for small businesses.
Explore Business DebtThree steps. Real progress.
Enroll your debts
We build a monthly deposit you can afford — held in an FDIC-insured account in your name.
We negotiate for you
Once funds accumulate, our team negotiates favorable settlements with each creditor.
Your debt is settled
You review and approve every agreement. Debt is closed. You move on.
Estimate your savings
IllustrativeImportant: Estimates are illustrative, not a guarantee. Individual results vary based on creditor, balance, and ability to fund the program. Program enrollment will likely adversely affect your credit. Read full disclosures in the site footer.
Get my personalized planUnderstand your options first.
Debt relief isn’t one-size-fits-all. Our guides walk you through settlement, consolidation, bankruptcy, and everything in between — in plain English.
Debt settlement vs. consolidation vs. bankruptcy
6 min readHow settlement affects your credit score
5 min readTax implications of forgiven debt
7 min readHow to avoid debt-relief scams
Don't just take our word for it.
We've collected handwritten letters from clients who completed the program. Read their words in their own handwriting.
Frequently asked questions
Still unsure? Talk to a certified specialist — no pressure, no obligation.
Our fee is based on a percentage of debt you enroll into the program. The fee will never go higher than the amount you are quoted. There are no other charges, fees, or other recurring costs as part of our program, except for modest fees charged by the bank for maintaining your account.
See if debt settlement is right for you.
A no-pressure conversation with a certified debt specialist. Free, confidential, and won’t affect your credit score.