Unsecured debt relief & lending
Most companies in this business sell one product and steer everybody toward it. We work both sides — consolidation loans and debt relief programs — so the recommendation you get is the one that actually fits your numbers.
Roughly how much unsecured debt are you carrying? Credit cards, medical bills, personal loans, collections.
Takes about two minutes. We ask for contact details at the end, not the beginning — you'll see your options first.
The fork
These are not interchangeable, and anyone who tells you otherwise is selling. One replaces your debt with new debt at a better rate. The other reduces what you owe but damages your credit on the way. Which one is right depends entirely on your income, your credit, and how far behind you are.
Path one
A single fixed-rate loan pays off your cards. You get one payment, one due date, and a fixed payoff date instead of revolving balances that never move.
Path two
Balances are negotiated down with your creditors. You make one monthly deposit into a dedicated account while settlements are reached over time.
Not sure which side you're on? That's what the assessment is for. Start it here →
How it works
What you owe, roughly what you earn, and whether you're current or behind. Two minutes online, or on the phone if you'd rather talk it through.
Which path fits, what it costs, what it does to your credit, and what happens if you do nothing. You get it in writing before you decide anything.
If you enroll or accept a loan, we handle the paperwork from there. If you walk away, nothing has happened to your credit and you owe us nothing.
Why us
If a debt relief program is going to hurt your credit for years, you should hear that from us before you enroll — not from a collection notice in month four.
The complaint that follows this industry around is the switch: someone applies for a loan, doesn't qualify, and gets moved into a settlement program without fully understanding that it's a different product with different consequences. It's the single most common thing consumers report about companies in this space.
We built the process to make that impossible. Both products are on the table from the first conversation, the differences are written down, and the recommendation comes to you in writing with the tradeoffs stated plainly.
For some situations, Chapter 7 or 13 genuinely beats anything we offer. We're not attorneys and we don't provide legal advice, but if that's what your numbers point to, we'll say so and point you toward counsel rather than sell you a program that won't fix it.
If you can clear your balances in under 24 months on your own, a program isn't worth the fees or the credit damage. We'll tell you that and you can close the tab.
Any statistic on this site — savings rates, program lengths, timelines — is footnoted with where it came from and what it represents. If we can't source it, we don't print it.
Common questions