Minimum payments can feel endless—especially with today’s interest rates. Many readers don’t realize there are debt relief programs (not loans) that focus on negotiating enrolled balances and simplifying monthly payments. You can check eligibility in about a minute and talk to a specialist at no cost.
How these programs generally work
- Assessment: A quick evaluation reviews your unsecured debts (credit cards, personal loans, some medical bills).
- One program: If eligible, you enroll accounts and make one monthly program payment instead of juggling multiple bills.
- Negotiation: The provider works to negotiate with creditors; fees are typically performance-based and disclosed up front.
Curious if you’re a fit? Try the free eligibility check—no hard credit inquiry to see options.
Who may qualify
Every provider has its own criteria, but people often see better options when they have:
- $20,000+ in unsecured debt (ranges vary by provider and state)
- Multiple credit card balances
- Strain making current payments or recent delinquencies
If that sounds like you, see if you may qualify. It’s free and there’s no obligation to proceed.
What to have ready for the free call
- Rough total of credit card balances
- Approximate interest rates or minimum payments
- Your state of residence
Once you’ve completed the quick online step, a specialist can walk you through details. You can also jump straight to the free evaluation now.
Quick FAQs
Will this hurt my credit?
The initial online eligibility check does not require a hard credit pull. Program enrollment can affect credit—ask the provider for specifics.
Is this a loan?
No. These are debt relief programs that work differently from consolidation loans.
Are there fees?
Providers typically charge performance-based fees disclosed before enrollment. Always review the provider’s disclosures.