Get out of debt with a real person in your corner.
You have been trying to do the responsible thing: making the payments. But when the balance barely moves, the current path may not be giving you a real way out.
Free consultation in under 2 minutes · Consolidation built around real life
Estimated
Illustrative example. Results vary based on the creditor and each client's financial situation.
If minimum payments never lower your debt, it's not your fault
Interest grows every month, collection calls never stop, and financial stress affects your life and your family. Doing the right thing by paying the minimum sometimes only keeps you trapped.
You're not alone, and there's a way out that isn't bankruptcy.
How it works
Three simple steps toward your financial freedom
Free Consultation
Speak one-on-one with a debt consultant to review your options. No minimum credit score required.
One Manageable Monthly Payment
Replace multiple high-interest payments with one affordable monthly program payment designed around your budget.
Choose Your Timeline
Stay in control by selecting a personalized program timeline between 24 and 60 months.
Program benefits
Lower monthly payment
No upfront fees — we only charge once we settle
Debt-free in 24–48 months
A real alternative to bankruptcy
One single payment, no more juggling bills
See how much you can save
Drag the slider to see your estimate
$10,000
Estimated potential savings
$5,000
Approx. new monthly payment
$153
Estimate for illustrative purposes only. Results vary based on amount and interest.
What debts qualify
Yes, they qualify
- Credit cards
- Personal loans
- Medical bills
- Private student loans
- Collections
- Business debt
Do not qualify
- Mortgage
- Auto loans
- Federal student loans
- Taxes
- Child support
Minimum debt to qualify: $10,000
Real results from real people
Testimonial coming soon. Contact us to speak with current program clients.
Program client
Testimonial coming soon. Contact us to speak with current program clients.
Program client
Testimonial coming soon. Contact us to speak with current program clients.
Program client
Individual results vary and are not guaranteed. Testimonials do not represent typical results for all clients.
Why trust Debt Free America
BBB A+
AADR
10 years of experience
Team of certified specialists
Performance-based fee
Frequently asked questions
Will it affect my credit score?
All options to pay off your debt impact your credit one way or another. Opening or closing accounts typically have a temporary dip. In order to give you the most relevant information, feel free to book one of our consultants.
How much does the program cost?
We charge no upfront fees. What do you do? We advise clients on a wide array of options to help with their debt, and usually get people a more manageable payment. Things like loans, debt consolidation, debt resolution, credit counseling, and bankruptcy.
How long does it take?
Most programs last between 24 and 48 months, depending on your total debt and how much you can deposit each month.
What debts can I include?
Unsecured debts: credit cards, personal loans, medical bills, and collections. It does not include mortgages, auto loans, federal student loans, or taxes.
Note: forgiven debt may be considered taxable income. Consult a tax professional.
LEARNING CENTER · AJ ON FINANCE
Want to understand your options first?
Free, no-pitch guides on debt, credit, and getting your money back on track — so you can make a confident decision before you ever talk to anyone.
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