Personal loans, medical bills, and lines of credit.
If a debt isn’t tied to collateral — meaning no one can repossess a car or foreclose on a home over it — it’s usually a candidate for settlement.
Unsecured loans come in many forms: signature loans from your bank or credit union, online lender debt, peer-to-peer loans, deficiency balances after a repossession, large medical bills, and personal lines of credit.
Most settle in the same 40–60% range as credit cards, though medical debt often settles for even less because hospitals and collection agencies are particularly motivated to resolve outstanding balances.
What we do for you
Audit each balance
Some old debts may be past the statute of limitations or improperly transferred — we check before we negotiate.
Direct creditor contact
Our team handles all communications. The harassing calls slow down quickly.
Lump-sum settlements
We negotiate written, lump-sum agreements paid from your dedicated savings account.
Documentation & follow-up
We confirm in writing that each account is settled and reported correctly to the bureaus.
Signs this is right for you
- Your monthly loan payment is unsustainable
- You’ve received unexpected medical bills you can’t afford
- A car was repossessed and the lender is pursuing a deficiency balance
- Collectors have purchased your old debt and are calling
- You want to avoid a wage garnishment or lawsuit
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.