Debt Settlement
Negotiate unsecured balances down to less than you owe.
- 24–48 moTypical program
- $0Assessment fee
- Month 4–10First settlement
Every route out of debt, compared
Settlement, consolidation, management plans, tax relief, refinancing, personal loans and bankruptcy alternatives. Each one helps a particular kind of situation, and we show you which fits yours.
Our programs
Seven routes, one honest recommendation
Debt Consolidation Loans
Swap several payments for one fixed loan and one due date.
ExploreDebt Management
A structured plan with reduced interest and one monthly payment.
ExploreTax Debt Relief
Resolve back taxes, levies and garnishments the right way.
ExploreMortgage Refinance
Lower your rate, shorten the term or put equity to work.
ExplorePersonal Loans
Fixed-rate borrowing with every term stated plainly.
ExploreBankruptcy & Alternatives
Understand every trade-off before you decide to file.
ExploreWant it in writing?
Get a personal comparison of every route for your exact balances.
Request my comparisonSide by side
How the routes compare
A quick view of cost, timeline and credit impact. Your written comparison applies the same lens to your own numbers.
| Route | What it costs | Typical timeline | Credit impact | Best for |
|---|---|---|---|---|
| Debt Settlement | Percentage of enrolled debt, charged after each settlement | 24–48 months | Significant drop during the program | Already behind, $7,500+ unsecured |
| Debt Consolidation Loans | Lender interest, plus an origination fee with some lenders | Funded in days to a week | Small dip from the hard inquiry, can improve | Current on payments, fair to good credit |
| Debt Management | Small setup and monthly fees, capped by state | 3–5 years | Mild; enrolled cards are closed | Can repay principal, interest too high |
| Tax Debt Relief | Flat or staged professional fee, agreed upfront | Weeks to several months | Tax liens may be public record | Back taxes, IRS or state notices |
| Mortgage Refinance | Closing costs of roughly 2–5% of the loan | 30–45 days to close | Small dip from the inquiry | 15–20%+ equity, lower market rates |
| Personal Loans | Lender interest, plus an origination fee with some lenders | Funded in 1–7 business days | Hard inquiry at application | Fair+ credit, a defined sum |
| Bankruptcy & Alternatives | Free review; the chosen route's own fees apply | Depends on route: months to 5 years | Varies; alternatives usually milder | Mostly unsecured debt, steady income |
Not sure where to start?
Let us do the comparing for you
Share a few details and we will model every route against your real balances and budget.