- Free to check
- No obligation
- About a minute
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How it works
We connect you with a debt relief company that can review your situation and explain what's available to you.
Answer a few questions
Your debt, your payments, and where you live. Takes about a minute.
Talk with a debt specialist
They review your situation and explain the programs you may qualify for, including costs and timeline.
Decide what's right for you
There's no obligation to enroll. If a program isn't a fit, you're free to walk away.
Minimum payments vs. a debt relief program
With high interest rates, much of a minimum payment can go to interest instead of your balance. Debt relief takes a different approach.
| Minimum payments | Debt relief program | |
|---|---|---|
| What you pay | Several bills, each with its own due date | One monthly deposit into an account you own |
| Your balance | Interest can keep it high for years | Negotiators aim to settle for less than you owe |
| End date | Often unclear | Estimated timeline from day one |
| Fees | Interest and late fees | Charged only after a debt is settled |
| Credit | Stays as is while you keep paying | Will likely drop during the program |
Debt relief isn't right for everyone. Risks include credit impact, fees, and possible taxes on forgiven debt. Read the full disclosures.
It may be worth a look if you
- owe $10,000 or more on credit cards or other unsecured debt
- can only make minimum payments, or are falling behind
- have been through a job loss, medical bills, divorce, or another hardship
- want to explore options before considering bankruptcy
See which options are available where you live.
Check my optionsCommon questions
What is debt relief?
Debt relief usually refers to debt resolution (also called debt settlement): a program in which a company negotiates with your creditors to accept less than the full balance owed. You typically make one monthly deposit into a dedicated account that you own and control, and those funds are used to pay settlements as they are reached.
Is this a loan or a government program?
No. Debt Resolution Network is a private matching service. We are not a lender, and we are not affiliated with or endorsed by any government agency. We connect you with independent debt relief companies that can explain their programs.
Does it cost anything to check my options?
No. Checking your options and speaking with a specialist is free, and there is no obligation to enroll. If you do enroll in a program, the provider's fees are typically a percentage of the debt you enroll. Under federal rules, debt relief companies that sell their services by phone may not charge fees until they have actually settled or resolved a debt.
Will a debt relief program affect my credit?
It can. Most programs require you to stop paying enrolled accounts while funds accumulate for settlements, which typically causes late payments and may lower your credit score. Your specialist should explain the potential credit impact before you enroll.
What types of debt can be included?
Programs generally work with unsecured debt such as credit cards, personal loans, medical bills, and some private student loans. Secured debts like mortgages and auto loans, as well as federal student loans, are generally not eligible.
Who will contact me?
After you submit the form, a debt specialist from one of our marketing partners will contact you by phone, text, or email to discuss your options. You can opt out at any time.
Are there risks I should know about?
Yes. Creditors are not required to settle, and they may continue collection activity — including lawsuits — while you are enrolled. Late fees and interest may continue to accrue, forgiven debt may be taxable, and not everyone completes a program. Please review our program disclosures and all materials from any provider before enrolling.
