Where we work

Debt relief by state

Debt settlement is federally regulated, but collection rules, court timelines, and garnishment protections change at the state line. Pick your state to see how a DNS program works where you live.

See if you qualify

We currently do not accept new clients in North Carolina, Oregon, West Virginia.

Take the first step

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.

Start free evaluation 561-964-6404

Important program disclosures

Results vary. Any savings figures, percentages, timelines, or testimonials shown are illustrative examples from prior clients. We do not guarantee that any debt will be resolved for a specific amount or percentage, or within a specific period of time. Not all clients complete the program.
Credit impact. Use of debt-settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors, and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest.
Fees. We charge no fees until a settlement is reached, you approve the settlement, and at least one payment is made to that creditor. Fees vary by state and amount of debt enrolled. We do not assume your debts or make monthly payments to creditors.
Eligibility. The program is not available in all states. Certain debts — including most secured debts, federal student loans, and some medical debts — are not eligible. Some creditors do not negotiate with debt-settlement companies.
Not legal, tax, or credit advice. Debt Negotiation Services is not a lender, creditor, or debt collector and does not provide bankruptcy, legal, accounting, tax, or credit-repair services. Please consult a qualified professional regarding the tax treatment of forgiven debt.

Please read and understand all program materials prior to enrollment. Full disclosures appear in the site footer.