Resolve Your Debt for Less Than You Owe
Debt settlement lets you negotiate with creditors to accept a lump-sum payment, often 40–60% of your balance. Use the free calculator below to estimate your savings, then speak with a specialist about your actual accounts.
- Settle credit card, medical, and personal loan debt
- Most programs resolve in 24–48 months
- Free, confidential consultation with no obligation
- Specialists negotiate directly with your creditors
Free Debt Settlement Calculator
See your estimated savings in about two minutes.
Tell us about your debt
We'll use this to estimate what settlement could save you.
Ready to Talk to a Specialist?
The calculator gives you estimates. A specialist gives you real numbers based on your creditors, account ages, balances, and current hardship. The consultation is free and carries no obligation.
Free consultation
A specialist reviews your accounts, income, and situation to assess what options are realistically available.
Enroll your accounts
Qualifying unsecured debts are enrolled, including credit cards, personal loans, and medical bills. Secured debts are not included.
Build your settlement fund
You make monthly deposits into a dedicated savings account instead of juggling minimum payments.
Negotiate and resolve
Your specialist negotiates with each creditor. Settled accounts are resolved for less than the original balance.
Debt settlement FAQs
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Compare your options
Ready to explore your options?
A free, confidential consultation can show you what settlement may look like for your actual creditors.
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