Debt Relief That Helps You Pay Less Than You Owe
We negotiate directly with your creditors to reduce what you owe — so you can become debt free with one affordable monthly payment and no upfront fees.
Debt relief is a way to resolve unsecured debt — like credit cards, medical bills, and personal loans — for less than the full balance. Instead of paying minimums that barely move your balance, our team negotiates settlements with your creditors on your behalf.
You make one affordable monthly deposit into a dedicated account, and we use those funds to settle each debt as agreements are reached. There are no upfront fees, and a free consultation takes less than 2 minutes.
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
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.
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