Unsecured Debt Consolidation

Break Free From Overwhelming Debt.

Combine your credit cards, medical bills, and personal loans into one affordable monthly program. Settle your debt for a fraction of what you owe without declaring bankruptcy.

Massive Balance Reduction We aggressively negotiate directly with your creditors to significantly reduce the principal balance of your unsecured debt.
One Affordable Monthly Payment Stop juggling multiple due dates and compounding late fees. Consolidate your resolution into one simple, predictable program deposit.
Avoid Bankruptcy Protect your assets (like your home and car) by choosing a proven, legal alternative to Chapter 7 or Chapter 13 bankruptcy.

Free Relief Consultation

Speak confidentially with a debt relief expert to see exactly how much of your balance could be forgiven today.

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Interactive Tool

Debt Consolidation & Relief Estimator

Credit card companies and lenders rely on high interest to keep you trapped. Enter your total unsecured debt below to see how a settlement program slashes your monthly burden.

$

Includes credit cards, medical bills, and personal loans.

$

Sum of all your current minimum payments combined.

Simulation Note: This tool estimates a standard 36-month debt resolution program where balances are negotiated down. Program fees are factored into the estimated new payment. Actual results vary based on creditors.

Projected Cash Flow Relief

Estimated Monthly Savings
+$366 /mo
Instant Cash Flow Improvement
Old Minimums
$950
Paying mostly interest
New Program Deposit
$584
Fixed for ~36 Months

Your Debt Relief Options Explained

Understand the core differences between resolving your debt and other common financial strategies.

Feature Debt Settlement / Relief Debt Consolidation Loan Paying Minimums
Principal Balance Reduced via negotiation. Remains at 100%. Remains at 100%.
Interest Paid Virtually eliminated on settled accounts. Locked in at new loan rate. Compounds daily (Very High).
Credit Impact Negative initially, rebuilds after resolution. Requires a hard inquiry and good score to qualify. Slowly improves if payments are never late.
Timeline to Zero Typically 24 to 48 months. Typically 36 to 60 months. Often 15 to 30+ years.

Debt Relief FAQs

Debt Consolidation usually refers to taking out a new loan to pay off your old debts. You still owe the full principal amount, you just move it to a single lower interest rate (if you qualify).

Debt Settlement (Relief) actively negotiates with your creditors to reduce the actual principal amount you owe. Instead of paying 100% of the debt plus interest, you pay a fraction of the total balance to resolve the account completely.
No. While a debt relief program does require you to fall behind on payments (so creditors will negotiate), causing an initial drop in your credit score, the impact is temporary. As your debts are settled and reported as resolved, your critical debt-to-income ratio improves dramatically, allowing you to begin rebuilding your score on a clean, debt-free slate.
Creditors have the legal right to pursue collections, including phone calls and legal action, on unpaid debts. However, our programs take over communication, and lawsuits are relatively rare because they are expensive for the creditor. Their goal is to recover funds, which makes them highly motivated to accept the settlements we negotiate for you instead of going to court.
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