Settle high-interest credit card debt — without bankruptcy.
Credit card balances are the most common debt we resolve. Interest stacks, minimum payments barely move the needle, and starting over feels impossible. It doesn’t have to be.
Most clients enroll with $15,000–$100,000 in credit card debt spread across multiple issuers. Our negotiators have established relationships with every major card company — and we know what each one will accept.
Typical settlements close out cards for 40–60% of the balance owed, with the entire program wrapping in 24–48 months.
Not sure settlement is the right fit? Compare every path in our guide to credit card debt options.
What we do for you
Stop the spiral
We help you pause direct creditor payments and redirect that money into a dedicated savings account in your name.
Negotiate with each issuer
Our team contacts each card company on your behalf and works toward a reduced lump-sum settlement.
Get it in writing
Every settlement comes to you in writing for review and signature before any funds move.
Close the account
We use your saved funds to pay the settled amount, and we follow up to confirm the account is reported as resolved.
What this program isn’t
- Secured cards backed by collateral (those are a different conversation)
- Cards still in their grace period — we generally need accounts that are delinquent or close to it
- A guarantee — every creditor’s policy is different, and results vary by account
Signs this is right for you
- You’re only making minimum payments and balances aren’t going down
- You’re using one card to pay another
- Your APR is 20%+ and interest is eating most of your payment
- You’ve been declined for a consolidation loan
- You’re considering bankruptcy but want to explore alternatives first
Won’t affect your credit score.
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.