Struggling With Debt?

You Don't Have to Pay It All Back

Find out if you qualify for a debt settlement program that could reduce what you owe by a significant amount — with no upfront fees.

By submitting this form, you may be connected with DebtConsolidationCare, a debt settlement service provider, who may contact you by phone, email, or text to discuss your debt relief options. Submitting this form does not obligate you to enroll in any program.

No Upfront Fees

You pay nothing until a settlement is successfully reached on your behalf

Reduce What You Owe

Our debt settlement partners negotiate directly with your creditors to lower the total amount you owe

One Low Monthly Payment

Stop juggling multiple creditors. Make one manageable monthly payment into a dedicated account

Debt Free in 24–48 Months

Most clients complete the program and resolve their debts within 24 to 48 months

How does debt settlement work?

Debt settlement is a process where a professional team negotiates directly with your creditors to reduce the total amount you owe. Instead of paying back every dollar, your creditors agree to accept a lower amount as payment in full.

Here is how it typically works:
  1. 1 You enroll in a debt settlement program and stop making payments directly to your creditors.
  2. 2 Instead, you make one monthly deposit into a dedicated savings account that you control.
  3. 3 As your account grows, experienced negotiators work with your creditors to reach settlements — often for significantly less than what you originally owed.
  4. 4 Once a settlement is reached and you approve it, the funds are paid to the creditor and that debt is resolved.

Debt settlement is designed for people with $10,000 or more in unsecured debt — such as credit cards, medical bills, and personal loans — who are struggling to keep up with payments and want a realistic path out of debt.