Unsecured debt relief & lending
Most companies sell one answer. We compare a consolidation loan and debt relief side by side—then put the recommendation and every tradeoff in writing.
The two paths
One replaces your debt with new debt at a better rate. The other negotiates what you owe—but damages your credit on the way.
Best when your income and credit are strong enough
One fixed-rate loan pays off your cards, leaving one payment and a clear finish line.
Built for hardship or when a loan is out of reach
Balances are negotiated while you deposit into a dedicated account over time.
Not sure which side you're on? That's exactly what the assessment is for.
Compare my optionsHow it works
What you owe, roughly what you earn, and whether you're current or behind. Two minutes online, or by phone.
The best-fitting path, its costs, credit impact, and what happens if you do nothing—plainly explained.
Move forward and we handle the paperwork. Walk away and nothing has happened to your credit.
Why Golden Rise
Debt relief can hurt your credit for years. A consolidation loan can cost more over time. Bankruptcy can sometimes be the better answer. You deserve to hear all of that before anyone asks you to sign.
"The recommendation should fit your numbers—not the product someone needs to sell."
We're not attorneys, but if your numbers point there, we'll tell you to speak with counsel instead of forcing a program.
If you can clear balances yourself within 24 months, a program may not be worth its fees or credit impact.
Savings rates, timelines, and program outcomes are sourced and explained. If we can't substantiate it, we don't publish it.
Common questions
No. The initial assessment does not require a hard credit inquiry. If a lending option later requires one, we will tell you before it happens.
The assessment is free. Loan costs depend on the approved rate and term. Debt relief fees range from 15% to 25% of enrolled debt and are explained before enrollment.
We generally work with $10,000–$100,000 in unsecured debt, including credit cards, personal loans, medical bills, and collections.
Golden Rise Capital, LLC is a licensed lender and also administers debt relief programs directly. We show both paths so you can compare the consequences.
Products and terms are not available in every state. Availability is confirmed during the assessment before you make a decision.
No pressure. Just clarity.
About two minutes · No credit impact · No obligation