One Affordable Monthly Payment
Combine and decrease your required payments into a single, affordable monthly payment that aligns with your financial plan.
Powered by 
- an Inc 5000 Fastest Growing Company 5 years in a row!
- an Inc 5000 Fastest Growing Company 5 years in a row!
Reduce Your Monthly Debt Payment by up to 50%
Secure a single, affordable monthly payment and be debt free in 20 to 48 months. If you carry at least $10,000 in unsecured debt, you may qualify for a complimentary debt evaluation and consultation.
Get Your Free Debt AnalysisEliminating debt is easier than you think
Absolutely No Upfront Fees
Our fees depend on results. We receive compensation only after your debts are resolved, in line with FTC guidelines.
Resolve Your Debt in 20 to 48 Months
Our skilled team of negotiators guides you toward freedom from debt faster than you thought possible.
Get your free debt analysis
If you have at least $10,000 in debt, you may qualify for the Debt Help Program.
Types of debt we can help you with
This program is designed to support you with unsecured debts, which are not backed by collateral like a house or car.
Banks, creditors, and delinquencies
- Credit card debt
- Payday loans
- Medical debt
- Private student loans
- Personal loans
- Lines of credit
- Personal business debts
Judgements, collections, and deficiencies
- Auto repossessions
- Mortgage debt
- Tax debt
- Cellular debt
Five steps to swift debt relief
1
Free Consultation
Connect with one of our certified Debt Specialists, talk through your debts and financial goals, and receive a personalized plan built around your needs.
2
Monthly Deposits
We help you set up a dedicated savings account under your control. You halt high-interest payments, make one affordable monthly deposit, and build funds that will be used for negotiation.
3
Debt Negotiation
Our negotiators work with your creditors on your behalf. You are notified whenever a settlement offer arrives, and you decide whether to accept it or wait for a better one.
4
Settlements
Achieve a meaningful reduction in your overall debt. Most clients see their first settlement within 4 to 7 months, with creditors paid directly from your dedicated account.
5
Be Debt Free
Complete the program and step into a fresh start, free from the burden of debt and the stress that came with it.
We support and guide you every step of the way
Understanding your financial needs
Debt relief is not right for everyone. We assess your unique situation to determine whether it is the appropriate choice for you.
Negotiating the best settlements
Our experienced negotiators work with thousands of creditors to secure the most favorable settlements possible on your behalf.
Always supporting your success
Our certified Debt Specialists are available every day of the week, so you have the answers, guidance, and support you need whenever you need it.
Get your free debt consultation.
If you have at least $10,000 in debt, you may qualify for the Debt Help Program. Choose a time and one of our debt consultants will call to see if you qualify.
Get StartedCommon questions, answered.
Quick reference on how the program works, what it costs, and how it affects your credit.
What does it cost? There are no upfront fees. You pay a percentage of your enrolled debt only after your debts are settled, and if we cannot settle an account, you pay no fee on it.
Will it affect my credit? A temporary dip is normal early on and often signals progress toward settlements. Many clients recover to the same or a better score by the time they complete the program.
How do I qualify? You must live in a state where the service is available and carry more than $10,000 in unsecured debt.
Debt help is provided in partnership with a licensed debt resolution services platform. Clients who make all monthly program payments save approximately 40 to 50% of their enrolled debt (average of 43%) upon successful program completion, before program fees. Fees are based on a percentage of enrolled debt at the time of starting the program and range from 14% to 25%. Programs range from 20 to 48 months. Clients must save at least 25% of each debt due to an enrolled creditor before a bona fide settlement offer will be made. On average, clients receive their first settlement within 4 to 7 months of enrollment and approximately every 3 to 6 months thereafter. Not all clients complete the program. Estimates are based on prior results and may not match your results. We cannot guarantee that your debts will be resolved for a specific amount, percentage, or within a specific timeframe. We do not assume your debts, make monthly payments to creditors, or provide tax, bankruptcy, accounting, legal advice, or credit repair services. The program is not available in all states, and fees may vary by state. Some programs may be offered through The Law Firm of Higbee and Associates d/b/a Advantage Law. The use of debt resolution services will likely adversely affect your credit. You may be subject to collections or lawsuits by creditors or collectors, and your outstanding debt may increase from the accrual of fees and interest. Any amount of debt forgiven by your creditors may be subject to income tax. Clients may withdraw from the program at any time without penalty and receive all funds from their dedicated account, other than funds earned by the company or fees paid to third-party service providers. Read and understand all program materials prior to enrolling. Certain debts and creditors are not eligible for enrollment.