Credit card debt
The most common reason clients come to us. If minimum payments keep balances flat year after year, settlement can resolve enrolled cards for less than the full amount owed.
Personal loan debt
Unsecured personal loans — including some online installment loans — can often be enrolled and negotiated the same way credit card balances are.
Small business debt
Business credit cards and certain unsecured business obligations may qualify, particularly for sole proprietors and small LLCs carrying debt personally.
Debt after divorce
Joint debt doesn't disappear when a marriage ends. We help individuals untangle and resolve balances that came out of a shared financial life.
Debt after a medical event
Unsecured debt that piled up around a medical crisis — including cards used to cover bills — can typically be enrolled in a settlement program.
Debt after a job loss
If reduced income means your old minimum payments no longer fit your budget, a program built around what you can pay now may make more sense than what you signed up for then.
Settlement isn't the right tool for every debt
We'll tell you plainly if your situation calls for something other than settlement. As a general rule, secured debt — like a mortgage or auto loan — usually isn't a fit, since the lender can repossess the underlying collateral regardless of negotiation. The same is generally true of federal student loans, which have their own relief programs, and most tax debt, which is typically handled through the IRS or a tax professional.
- Mortgages and other debt secured by your home
- Auto loans and other debt secured by a vehicle
- Federal student loans
- Most tax debt owed to the IRS or a state
Not sure which situation fits yours?
Tell us what's going on. We'll tell you honestly whether settlement makes sense — and if it doesn't, point you somewhere that might.
Talk to a Debt Specialist