One of the Best Debt Relief Options for Americans

Frequently Asked Questions

• What is Debt Relief?

  Debt relief gives you a chance to finally move past your credit card debt without paying the full balance. A dedicated team works directly with your creditors to negotiate lower settlement amounts, helping you resolve your debt for less, and often faster, than traditional payoff methods.

  Debt won’t wait—so why should you? Every month you delay, interest adds more to your balance. Stopping the cycle now could mean paying thousands less in the long run, freeing you to focus on what matters most.

• What types of debt can Debt Relief Help me with?

  A debt relief program may be able to help with unsecured debts such as credit card balances, medical bills, department store cards, and other similar obligations that are not backed by collateral. These programs typically cannot assist with secured debts—loans that involve collateral, such as mortgages or auto loans. They also generally cannot resolve federal student loans. Some programs may offer assistance with private student loans or certain business debts, depending on the situation.

• How Much Does Debt Relief Cost?

  Across the debt relief industry, program costs vary. Fees are typically calculated as a percentage of either the total debt you enroll or the final settlement amount negotiated with your creditors.

  Many debt relief providers charge fees that generally fall within a range of about 15% to 25% of the enrolled debt, though exact rates can vary based on factors such as your state of residence and the amount of debt included in the program.

  Reputable programs do not charge any fees until a debt has been successfully negotiated, you have approved the settlement, and the first payment has been made toward that settlement. You remain in control throughout the process and will review and authorize each settlement before any fee is applied. After you approve a settlement and the initial payment is processed, the associated program fee is then charged. These fees are typically factored into the monthly savings estimate provided during your initial consultation.